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$6,800
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,012
−HK$215/mo
Today · 4.125%
HK$7,227
baseline
▲ 0.50% · 4.625%
HK$7,667
+HK$440/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,454/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$7,565
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,768
−HK$206/mo
Today · 4.125%
HK$7,974
baseline
▲ 0.50% · 4.625%
HK$8,395
+HK$421/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,948/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$8,161
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,414
−HK$258/mo
Today · 4.125%
HK$8,672
baseline
▲ 0.50% · 4.625%
HK$9,200
+HK$528/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,344/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$9,079
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,322
−HK$247/mo
Today · 4.125%
HK$9,569
baseline
▲ 0.50% · 4.625%
HK$10,073
+HK$504/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,138/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$9,521
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,817
−HK$301/mo
Today · 4.125%
HK$10,118
baseline
▲ 0.50% · 4.625%
HK$10,733
+HK$615/mo
Deposit HK$895K · loan HK$2.09M · min. income ≈ HK$20,236/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,592
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,876
−HK$288/mo
Today · 4.125%
HK$11,164
baseline
▲ 0.50% · 4.625%
HK$11,752
+HK$588/mo
Deposit HK$895K · loan HK$2.09M · min. income ≈ HK$22,328/mo (50% DSR)
Upfront cash ≈ HK$895K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,241
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,622
−HK$386/mo
Today · 4.125%
HK$13,008
baseline
▲ 0.50% · 4.625%
HK$13,800
+HK$792/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$26,016/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$13,618
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,983
−HK$371/mo
Today · 4.125%
HK$14,354
baseline
▲ 0.50% · 4.625%
HK$15,110
+HK$756/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,708/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).