The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$6,795
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,006
−HK$215/mo
Today · 4.125%
HK$7,221
baseline
▲ 0.50% · 4.625%
HK$7,660
+HK$439/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,442/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,559
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,762
−HK$205/mo
Today · 4.125%
HK$7,967
baseline
▲ 0.50% · 4.625%
HK$8,387
+HK$420/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,934/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,153
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,407
−HK$258/mo
Today · 4.125%
HK$8,665
baseline
▲ 0.50% · 4.625%
HK$9,192
+HK$527/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,330/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,071
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,314
−HK$247/mo
Today · 4.125%
HK$9,561
baseline
▲ 0.50% · 4.625%
HK$10,065
+HK$504/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,122/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,512
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,808
−HK$301/mo
Today · 4.125%
HK$10,109
baseline
▲ 0.50% · 4.625%
HK$10,724
+HK$615/mo
Deposit HK$894K · loan HK$2.09M · min. income ≈ HK$20,218/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,582
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,866
−HK$288/mo
Today · 4.125%
HK$11,154
baseline
▲ 0.50% · 4.625%
HK$11,742
+HK$588/mo
Deposit HK$894K · loan HK$2.09M · min. income ≈ HK$22,308/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,230
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,611
−HK$386/mo
Today · 4.125%
HK$12,997
baseline
▲ 0.50% · 4.625%
HK$13,788
+HK$791/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$25,994/mo (50% DSR)
Upfront cash ≈ HK$298K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,606
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,971
−HK$370/mo
Today · 4.125%
HK$14,341
baseline
▲ 0.50% · 4.625%
HK$15,097
+HK$756/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,682/mo (50% DSR)
Upfront cash ≈ HK$298K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).