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$7,378
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,608
−HK$233/mo
Today · 4.125%
HK$7,841
baseline
▲ 0.50% · 4.625%
HK$8,318
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,682/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,208
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,428
−HK$223/mo
Today · 4.125%
HK$8,651
baseline
▲ 0.50% · 4.625%
HK$9,107
+HK$456/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,302/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,854
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,129
−HK$280/mo
Today · 4.125%
HK$9,409
baseline
▲ 0.50% · 4.625%
HK$9,981
+HK$572/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,818/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,850
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,114
−HK$268/mo
Today · 4.125%
HK$10,382
baseline
▲ 0.50% · 4.625%
HK$10,929
+HK$547/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,764/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,329
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,651
−HK$326/mo
Today · 4.125%
HK$10,977
baseline
▲ 0.50% · 4.625%
HK$11,645
+HK$668/mo
Deposit HK$971K · loan HK$2.26M · min. income ≈ HK$21,954/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,491
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,799
−HK$313/mo
Today · 4.125%
HK$12,112
baseline
▲ 0.50% · 4.625%
HK$12,750
+HK$638/mo
Deposit HK$971K · loan HK$2.26M · min. income ≈ HK$24,224/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,280
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,694
−HK$419/mo
Today · 4.125%
HK$14,113
baseline
▲ 0.50% · 4.625%
HK$14,972
+HK$859/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$28,226/mo (50% DSR)
Upfront cash ≈ HK$324K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,774
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,171
−HK$402/mo
Today · 4.125%
HK$15,573
baseline
▲ 0.50% · 4.625%
HK$16,393
+HK$820/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$31,146/mo (50% DSR)
Upfront cash ≈ HK$324K (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).