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$6,516
−HK$408/mo
▼ 0.25% · 3.875%
HK$6,718
−HK$206/mo
Today · 4.125%
HK$6,924
baseline
▲ 0.50% · 4.625%
HK$7,345
+HK$421/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$13,848/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,248
−HK$392/mo
▼ 0.25% · 3.875%
HK$7,443
−HK$197/mo
Today · 4.125%
HK$7,640
baseline
▲ 0.50% · 4.625%
HK$8,043
+HK$403/mo
Deposit HK$1.43M · loan HK$1.43M · min. income ≈ HK$15,280/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,819
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,062
−HK$247/mo
Today · 4.125%
HK$8,309
baseline
▲ 0.50% · 4.625%
HK$8,814
+HK$505/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$16,618/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,698
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,931
−HK$237/mo
Today · 4.125%
HK$9,168
baseline
▲ 0.50% · 4.625%
HK$9,651
+HK$483/mo
Deposit HK$1.14M · loan HK$1.71M · min. income ≈ HK$18,336/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,122
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,405
−HK$289/mo
Today · 4.125%
HK$9,694
baseline
▲ 0.50% · 4.625%
HK$10,284
+HK$590/mo
Deposit HK$857K · loan HK$2.00M · min. income ≈ HK$19,388/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,148
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,420
−HK$276/mo
Today · 4.125%
HK$10,696
baseline
▲ 0.50% · 4.625%
HK$11,260
+HK$564/mo
Deposit HK$857K · loan HK$2.00M · min. income ≈ HK$21,392/mo (50% DSR)
Upfront cash ≈ HK$857K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,728
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,093
−HK$370/mo
Today · 4.125%
HK$12,463
baseline
▲ 0.50% · 4.625%
HK$13,222
+HK$759/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$24,926/mo (50% DSR)
Upfront cash ≈ HK$286K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,047
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,397
−HK$355/mo
Today · 4.125%
HK$13,752
baseline
▲ 0.50% · 4.625%
HK$14,477
+HK$725/mo
Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$27,504/mo (50% DSR)
Upfront cash ≈ HK$286K (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).