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$6,646
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,853
−HK$210/mo
Today · 4.125%
HK$7,063
baseline
▲ 0.50% · 4.625%
HK$7,493
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,126/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,394
−HK$399/mo
▼ 0.25% · 3.875%
HK$7,592
−HK$201/mo
Today · 4.125%
HK$7,793
baseline
▲ 0.50% · 4.625%
HK$8,204
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,586/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,975
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,223
−HK$252/mo
Today · 4.125%
HK$8,475
baseline
▲ 0.50% · 4.625%
HK$8,991
+HK$516/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,950/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,872
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,110
−HK$242/mo
Today · 4.125%
HK$9,352
baseline
▲ 0.50% · 4.625%
HK$9,845
+HK$493/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,704/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,304
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,594
−HK$294/mo
Today · 4.125%
HK$9,888
baseline
▲ 0.50% · 4.625%
HK$10,490
+HK$602/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$19,776/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,351
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,629
−HK$281/mo
Today · 4.125%
HK$10,910
baseline
▲ 0.50% · 4.625%
HK$11,485
+HK$575/mo
Deposit HK$874K · loan HK$2.04M · min. income ≈ HK$21,820/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,963
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,335
−HK$378/mo
Today · 4.125%
HK$12,713
baseline
▲ 0.50% · 4.625%
HK$13,487
+HK$774/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$25,426/mo (50% DSR)
Upfront cash ≈ HK$292K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,308
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,665
−HK$363/mo
Today · 4.125%
HK$14,028
baseline
▲ 0.50% · 4.625%
HK$14,767
+HK$739/mo
Deposit HK$291K · loan HK$2.62M · min. income ≈ HK$28,056/mo (50% DSR)
Upfront cash ≈ HK$292K (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).