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$6,942
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,158
−HK$220/mo
Today · 4.125%
HK$7,378
baseline
▲ 0.50% · 4.625%
HK$7,827
+HK$449/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,756/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,723
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,931
−HK$210/mo
Today · 4.125%
HK$8,141
baseline
▲ 0.50% · 4.625%
HK$8,570
+HK$429/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,282/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,331
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,590
−HK$263/mo
Today · 4.125%
HK$8,853
baseline
▲ 0.50% · 4.625%
HK$9,392
+HK$539/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,706/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,268
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,517
−HK$252/mo
Today · 4.125%
HK$9,769
baseline
▲ 0.50% · 4.625%
HK$10,284
+HK$515/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,538/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,719
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,022
−HK$307/mo
Today · 4.125%
HK$10,329
baseline
▲ 0.50% · 4.625%
HK$10,957
+HK$628/mo
Deposit HK$913K · loan HK$2.13M · min. income ≈ HK$20,658/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,813
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,103
−HK$294/mo
Today · 4.125%
HK$11,397
baseline
▲ 0.50% · 4.625%
HK$11,998
+HK$601/mo
Deposit HK$913K · loan HK$2.13M · min. income ≈ HK$22,794/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,496
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,885
−HK$395/mo
Today · 4.125%
HK$13,280
baseline
▲ 0.50% · 4.625%
HK$14,088
+HK$808/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$26,560/mo (50% DSR)
Upfront cash ≈ HK$305K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,902
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,275
−HK$378/mo
Today · 4.125%
HK$14,653
baseline
▲ 0.50% · 4.625%
HK$15,426
+HK$773/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$29,306/mo (50% DSR)
Upfront cash ≈ HK$305K (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).