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$6,933
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,149
−HK$219/mo
Today · 4.125%
HK$7,368
baseline
▲ 0.50% · 4.625%
HK$7,816
+HK$448/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,736/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$7,713
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,920
−HK$210/mo
Today · 4.125%
HK$8,130
baseline
▲ 0.50% · 4.625%
HK$8,558
+HK$428/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,260/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$8,320
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,579
−HK$263/mo
Today · 4.125%
HK$8,842
baseline
▲ 0.50% · 4.625%
HK$9,380
+HK$538/mo
Deposit HK$1.22M · loan HK$1.82M · min. income ≈ HK$17,684/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$9,256
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,504
−HK$252/mo
Today · 4.125%
HK$9,756
baseline
▲ 0.50% · 4.625%
HK$10,270
+HK$514/mo
Deposit HK$1.22M · loan HK$1.82M · min. income ≈ HK$19,512/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$9,707
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,008
−HK$307/mo
Today · 4.125%
HK$10,315
baseline
▲ 0.50% · 4.625%
HK$10,943
+HK$628/mo
Deposit HK$912K · loan HK$2.13M · min. income ≈ HK$20,630/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,798
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,088
−HK$294/mo
Today · 4.125%
HK$11,382
baseline
▲ 0.50% · 4.625%
HK$11,982
+HK$600/mo
Deposit HK$912K · loan HK$2.13M · min. income ≈ HK$22,764/mo (50% DSR)
Upfront cash ≈ HK$912K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,480
−HK$782/mo
▼ 0.25% · 3.875%
HK$12,868
−HK$394/mo
Today · 4.125%
HK$13,262
baseline
▲ 0.50% · 4.625%
HK$14,069
+HK$807/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$26,524/mo (50% DSR)
Upfront cash ≈ HK$304K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,884
−HK$750/mo
▼ 0.25% · 3.875%
HK$14,256
−HK$378/mo
Today · 4.125%
HK$14,634
baseline
▲ 0.50% · 4.625%
HK$15,405
+HK$771/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$29,268/mo (50% DSR)
Upfront cash ≈ HK$304K (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).