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$6,653
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,860
−HK$210/mo
Today · 4.125%
HK$7,070
baseline
▲ 0.50% · 4.625%
HK$7,501
+HK$431/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,140/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,401
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,600
−HK$201/mo
Today · 4.125%
HK$7,801
baseline
▲ 0.50% · 4.625%
HK$8,213
+HK$412/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,602/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,984
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,232
−HK$252/mo
Today · 4.125%
HK$8,484
baseline
▲ 0.50% · 4.625%
HK$9,001
+HK$517/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,968/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,882
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,120
−HK$242/mo
Today · 4.125%
HK$9,362
baseline
▲ 0.50% · 4.625%
HK$9,855
+HK$493/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,724/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,314
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,604
−HK$294/mo
Today · 4.125%
HK$9,898
baseline
▲ 0.50% · 4.625%
HK$10,501
+HK$603/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$19,796/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,362
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,640
−HK$282/mo
Today · 4.125%
HK$10,922
baseline
▲ 0.50% · 4.625%
HK$11,498
+HK$576/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$21,844/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,976
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,348
−HK$379/mo
Today · 4.125%
HK$12,727
baseline
▲ 0.50% · 4.625%
HK$13,501
+HK$774/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,454/mo (50% DSR)
Upfront cash ≈ HK$292K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,323
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,680
−HK$362/mo
Today · 4.125%
HK$14,042
baseline
▲ 0.50% · 4.625%
HK$14,783
+HK$741/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,084/mo (50% DSR)
Upfront cash ≈ HK$292K (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).