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$7,104
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,325
−HK$225/mo
Today · 4.125%
HK$7,550
baseline
▲ 0.50% · 4.625%
HK$8,009
+HK$459/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,100/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,904
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,115
−HK$216/mo
Today · 4.125%
HK$8,331
baseline
▲ 0.50% · 4.625%
HK$8,770
+HK$439/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,662/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,525
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,790
−HK$270/mo
Today · 4.125%
HK$9,060
baseline
▲ 0.50% · 4.625%
HK$9,611
+HK$551/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,120/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,484
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,739
−HK$258/mo
Today · 4.125%
HK$9,997
baseline
▲ 0.50% · 4.625%
HK$10,524
+HK$527/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$19,994/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,946
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,255
−HK$315/mo
Today · 4.125%
HK$10,570
baseline
▲ 0.50% · 4.625%
HK$11,213
+HK$643/mo
Deposit HK$935K · loan HK$2.18M · min. income ≈ HK$21,140/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,065
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,362
−HK$301/mo
Today · 4.125%
HK$11,663
baseline
▲ 0.50% · 4.625%
HK$12,277
+HK$614/mo
Deposit HK$935K · loan HK$2.18M · min. income ≈ HK$23,326/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,788
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,186
−HK$404/mo
Today · 4.125%
HK$13,590
baseline
▲ 0.50% · 4.625%
HK$14,417
+HK$827/mo
Deposit HK$312K · loan HK$2.80M · min. income ≈ HK$27,180/mo (50% DSR)
Upfront cash ≈ HK$312K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,226
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,608
−HK$387/mo
Today · 4.125%
HK$14,995
baseline
▲ 0.50% · 4.625%
HK$15,785
+HK$790/mo
Deposit HK$312K · loan HK$2.80M · min. income ≈ HK$29,990/mo (50% DSR)
Upfront cash ≈ HK$312K (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).