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$6,815
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,027
−HK$216/mo
Today · 4.125%
HK$7,243
baseline
▲ 0.50% · 4.625%
HK$7,683
+HK$440/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,486/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$7,582
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,785
−HK$206/mo
Today · 4.125%
HK$7,991
baseline
▲ 0.50% · 4.625%
HK$8,413
+HK$422/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,982/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$8,178
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,433
−HK$258/mo
Today · 4.125%
HK$8,691
baseline
▲ 0.50% · 4.625%
HK$9,220
+HK$529/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$17,382/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,098
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,342
−HK$248/mo
Today · 4.125%
HK$9,590
baseline
▲ 0.50% · 4.625%
HK$10,095
+HK$505/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$19,180/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,541
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,838
−HK$302/mo
Today · 4.125%
HK$10,140
baseline
▲ 0.50% · 4.625%
HK$10,757
+HK$617/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$20,280/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,615
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,899
−HK$289/mo
Today · 4.125%
HK$11,188
baseline
▲ 0.50% · 4.625%
HK$11,778
+HK$590/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$22,376/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,267
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,649
−HK$388/mo
Today · 4.125%
HK$13,037
baseline
▲ 0.50% · 4.625%
HK$13,830
+HK$793/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,074/mo (50% DSR)
Upfront cash ≈ HK$299K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,647
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,013
−HK$372/mo
Today · 4.125%
HK$14,385
baseline
▲ 0.50% · 4.625%
HK$15,143
+HK$758/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,770/mo (50% DSR)
Upfront cash ≈ HK$299K (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).