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$6,797
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,009
−HK$214/mo
Today · 4.125%
HK$7,223
baseline
▲ 0.50% · 4.625%
HK$7,663
+HK$440/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,446/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$7,562
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,765
−HK$205/mo
Today · 4.125%
HK$7,970
baseline
▲ 0.50% · 4.625%
HK$8,390
+HK$420/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,940/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$8,157
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,410
−HK$258/mo
Today · 4.125%
HK$8,668
baseline
▲ 0.50% · 4.625%
HK$9,195
+HK$527/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,336/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,074
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,317
−HK$247/mo
Today · 4.125%
HK$9,564
baseline
▲ 0.50% · 4.625%
HK$10,068
+HK$504/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,128/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,516
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,812
−HK$301/mo
Today · 4.125%
HK$10,113
baseline
▲ 0.50% · 4.625%
HK$10,728
+HK$615/mo
Deposit HK$894K · loan HK$2.09M · min. income ≈ HK$20,226/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,586
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,870
−HK$288/mo
Today · 4.125%
HK$11,158
baseline
▲ 0.50% · 4.625%
HK$11,747
+HK$589/mo
Deposit HK$894K · loan HK$2.09M · min. income ≈ HK$22,316/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,235
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,615
−HK$387/mo
Today · 4.125%
HK$13,002
baseline
▲ 0.50% · 4.625%
HK$13,793
+HK$791/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$26,004/mo (50% DSR)
Upfront cash ≈ HK$298K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,611
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,976
−HK$370/mo
Today · 4.125%
HK$14,346
baseline
▲ 0.50% · 4.625%
HK$15,103
+HK$757/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,692/mo (50% DSR)
Upfront cash ≈ HK$298K (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).