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$7,524
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,758
−HK$238/mo
Today · 4.125%
HK$7,996
baseline
▲ 0.50% · 4.625%
HK$8,482
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,992/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,370
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,595
−HK$228/mo
Today · 4.125%
HK$8,823
baseline
▲ 0.50% · 4.625%
HK$9,288
+HK$465/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,646/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,029
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,310
−HK$285/mo
Today · 4.125%
HK$9,595
baseline
▲ 0.50% · 4.625%
HK$10,179
+HK$584/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,190/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,044
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,314
−HK$273/mo
Today · 4.125%
HK$10,587
baseline
▲ 0.50% · 4.625%
HK$11,145
+HK$558/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,174/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,534
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,861
−HK$333/mo
Today · 4.125%
HK$11,194
baseline
▲ 0.50% · 4.625%
HK$11,875
+HK$681/mo
Deposit HK$990K · loan HK$2.31M · min. income ≈ HK$22,388/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,718
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,033
−HK$319/mo
Today · 4.125%
HK$12,352
baseline
▲ 0.50% · 4.625%
HK$13,003
+HK$651/mo
Deposit HK$990K · loan HK$2.31M · min. income ≈ HK$24,704/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,543
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,964
−HK$428/mo
Today · 4.125%
HK$14,392
baseline
▲ 0.50% · 4.625%
HK$15,268
+HK$876/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,784/mo (50% DSR)
Upfront cash ≈ HK$330K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,067
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,471
−HK$410/mo
Today · 4.125%
HK$15,881
baseline
▲ 0.50% · 4.625%
HK$16,718
+HK$837/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,762/mo (50% DSR)
Upfront cash ≈ HK$330K (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).