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$7,349
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,578
−HK$232/mo
Today · 4.125%
HK$7,810
baseline
▲ 0.50% · 4.625%
HK$8,285
+HK$475/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,620/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,176
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,395
−HK$222/mo
Today · 4.125%
HK$8,617
baseline
▲ 0.50% · 4.625%
HK$9,072
+HK$455/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,234/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,819
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,093
−HK$279/mo
Today · 4.125%
HK$9,372
baseline
▲ 0.50% · 4.625%
HK$9,942
+HK$570/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,744/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$9,811
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,074
−HK$267/mo
Today · 4.125%
HK$10,341
baseline
▲ 0.50% · 4.625%
HK$10,886
+HK$545/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,682/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$10,288
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,609
−HK$325/mo
Today · 4.125%
HK$10,934
baseline
▲ 0.50% · 4.625%
HK$11,599
+HK$665/mo
Deposit HK$967K · loan HK$2.26M · min. income ≈ HK$21,868/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,446
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,753
−HK$311/mo
Today · 4.125%
HK$12,064
baseline
▲ 0.50% · 4.625%
HK$12,700
+HK$636/mo
Deposit HK$967K · loan HK$2.26M · min. income ≈ HK$24,128/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,228
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,640
−HK$418/mo
Today · 4.125%
HK$14,058
baseline
▲ 0.50% · 4.625%
HK$14,913
+HK$855/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,116/mo (50% DSR)
Upfront cash ≈ HK$322K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,716
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,111
−HK$400/mo
Today · 4.125%
HK$15,511
baseline
▲ 0.50% · 4.625%
HK$16,329
+HK$818/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$31,022/mo (50% DSR)
Upfront cash ≈ HK$322K (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).