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$6,415
−HK$402/mo
▼ 0.25% · 3.875%
HK$6,615
−HK$202/mo
Today · 4.125%
HK$6,817
baseline
▲ 0.50% · 4.625%
HK$7,232
+HK$415/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,634/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,137
−HK$385/mo
▼ 0.25% · 3.875%
HK$7,328
−HK$194/mo
Today · 4.125%
HK$7,522
baseline
▲ 0.50% · 4.625%
HK$7,919
+HK$397/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,044/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,698
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,938
−HK$243/mo
Today · 4.125%
HK$8,181
baseline
▲ 0.50% · 4.625%
HK$8,679
+HK$498/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$16,362/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,564
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,794
−HK$233/mo
Today · 4.125%
HK$9,027
baseline
▲ 0.50% · 4.625%
HK$9,503
+HK$476/mo
Deposit HK$1.13M · loan HK$1.69M · min. income ≈ HK$18,054/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,981
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,261
−HK$283/mo
Today · 4.125%
HK$9,544
baseline
▲ 0.50% · 4.625%
HK$10,125
+HK$581/mo
Deposit HK$844K · loan HK$1.97M · min. income ≈ HK$19,088/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,992
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,259
−HK$272/mo
Today · 4.125%
HK$10,531
baseline
▲ 0.50% · 4.625%
HK$11,086
+HK$555/mo
Deposit HK$844K · loan HK$1.97M · min. income ≈ HK$21,062/mo (50% DSR)
Upfront cash ≈ HK$844K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,547
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,906
−HK$365/mo
Today · 4.125%
HK$12,271
baseline
▲ 0.50% · 4.625%
HK$13,018
+HK$747/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$24,542/mo (50% DSR)
Upfront cash ≈ HK$281K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,846
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,191
−HK$349/mo
Today · 4.125%
HK$13,540
baseline
▲ 0.50% · 4.625%
HK$14,254
+HK$714/mo
Deposit HK$281K · loan HK$2.53M · min. income ≈ HK$27,080/mo (50% DSR)
Upfront cash ≈ HK$281K (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).