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$6,401
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,601
−HK$202/mo
Today · 4.125%
HK$6,803
baseline
▲ 0.50% · 4.625%
HK$7,217
+HK$414/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,606/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,122
−HK$384/mo
▼ 0.25% · 3.875%
HK$7,313
−HK$193/mo
Today · 4.125%
HK$7,506
baseline
▲ 0.50% · 4.625%
HK$7,902
+HK$396/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$15,012/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,682
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,921
−HK$242/mo
Today · 4.125%
HK$8,163
baseline
▲ 0.50% · 4.625%
HK$8,660
+HK$497/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,326/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,546
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,775
−HK$233/mo
Today · 4.125%
HK$9,008
baseline
▲ 0.50% · 4.625%
HK$9,482
+HK$474/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$18,016/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,962
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,241
−HK$283/mo
Today · 4.125%
HK$9,524
baseline
▲ 0.50% · 4.625%
HK$10,104
+HK$580/mo
Deposit HK$842K · loan HK$1.97M · min. income ≈ HK$19,048/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,970
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,238
−HK$271/mo
Today · 4.125%
HK$10,509
baseline
▲ 0.50% · 4.625%
HK$11,063
+HK$554/mo
Deposit HK$842K · loan HK$1.97M · min. income ≈ HK$21,018/mo (50% DSR)
Upfront cash ≈ HK$842K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,523
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,881
−HK$364/mo
Today · 4.125%
HK$12,245
baseline
▲ 0.50% · 4.625%
HK$12,990
+HK$745/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,490/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,819
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,163
−HK$348/mo
Today · 4.125%
HK$13,511
baseline
▲ 0.50% · 4.625%
HK$14,224
+HK$713/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,022/mo (50% DSR)
Upfront cash ≈ HK$281K (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).