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$6,763
−HK$424/mo
▼ 0.25% · 3.875%
HK$6,973
−HK$214/mo
Today · 4.125%
HK$7,187
baseline
▲ 0.50% · 4.625%
HK$7,625
+HK$438/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$14,374/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,524
−HK$406/mo
▼ 0.25% · 3.875%
HK$7,726
−HK$204/mo
Today · 4.125%
HK$7,930
baseline
▲ 0.50% · 4.625%
HK$8,348
+HK$418/mo
Deposit HK$1.48M · loan HK$1.48M · min. income ≈ HK$15,860/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,116
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,368
−HK$257/mo
Today · 4.125%
HK$8,625
baseline
▲ 0.50% · 4.625%
HK$9,149
+HK$524/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,250/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,029
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,271
−HK$245/mo
Today · 4.125%
HK$9,516
baseline
▲ 0.50% · 4.625%
HK$10,018
+HK$502/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,032/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,468
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,763
−HK$299/mo
Today · 4.125%
HK$10,062
baseline
▲ 0.50% · 4.625%
HK$10,674
+HK$612/mo
Deposit HK$890K · loan HK$2.08M · min. income ≈ HK$20,124/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,533
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,816
−HK$286/mo
Today · 4.125%
HK$11,102
baseline
▲ 0.50% · 4.625%
HK$11,688
+HK$586/mo
Deposit HK$890K · loan HK$2.08M · min. income ≈ HK$22,204/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,174
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,552
−HK$385/mo
Today · 4.125%
HK$12,937
baseline
▲ 0.50% · 4.625%
HK$13,724
+HK$787/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$25,874/mo (50% DSR)
Upfront cash ≈ HK$297K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,543
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,906
−HK$369/mo
Today · 4.125%
HK$14,275
baseline
▲ 0.50% · 4.625%
HK$15,027
+HK$752/mo
Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$28,550/mo (50% DSR)
Upfront cash ≈ HK$297K (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).