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$6,847
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,060
−HK$216/mo
Today · 4.125%
HK$7,276
baseline
▲ 0.50% · 4.625%
HK$7,719
+HK$443/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,552/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,617
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,821
−HK$208/mo
Today · 4.125%
HK$8,029
baseline
▲ 0.50% · 4.625%
HK$8,452
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,058/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,216
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,472
−HK$260/mo
Today · 4.125%
HK$8,732
baseline
▲ 0.50% · 4.625%
HK$9,263
+HK$531/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,464/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$9,141
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,386
−HK$248/mo
Today · 4.125%
HK$9,634
baseline
▲ 0.50% · 4.625%
HK$10,142
+HK$508/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,268/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$9,586
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,884
−HK$303/mo
Today · 4.125%
HK$10,187
baseline
▲ 0.50% · 4.625%
HK$10,807
+HK$620/mo
Deposit HK$901K · loan HK$2.10M · min. income ≈ HK$20,374/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,664
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,950
−HK$290/mo
Today · 4.125%
HK$11,240
baseline
▲ 0.50% · 4.625%
HK$11,833
+HK$593/mo
Deposit HK$901K · loan HK$2.10M · min. income ≈ HK$22,480/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,324
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,708
−HK$389/mo
Today · 4.125%
HK$13,097
baseline
▲ 0.50% · 4.625%
HK$13,894
+HK$797/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,194/mo (50% DSR)
Upfront cash ≈ HK$300K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,711
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,079
−HK$373/mo
Today · 4.125%
HK$14,452
baseline
▲ 0.50% · 4.625%
HK$15,213
+HK$761/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,904/mo (50% DSR)
Upfront cash ≈ HK$300K (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).