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$7,072
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,292
−HK$223/mo
Today · 4.125%
HK$7,515
baseline
▲ 0.50% · 4.625%
HK$7,973
+HK$458/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$15,030/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,867
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,078
−HK$215/mo
Today · 4.125%
HK$8,293
baseline
▲ 0.50% · 4.625%
HK$8,730
+HK$437/mo
Deposit HK$1.55M · loan HK$1.55M · min. income ≈ HK$16,586/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,486
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,750
−HK$268/mo
Today · 4.125%
HK$9,018
baseline
▲ 0.50% · 4.625%
HK$9,567
+HK$549/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$18,036/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,441
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,694
−HK$257/mo
Today · 4.125%
HK$9,951
baseline
▲ 0.50% · 4.625%
HK$10,476
+HK$525/mo
Deposit HK$1.24M · loan HK$1.86M · min. income ≈ HK$19,902/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,901
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,209
−HK$313/mo
Today · 4.125%
HK$10,522
baseline
▲ 0.50% · 4.625%
HK$11,162
+HK$640/mo
Deposit HK$930K · loan HK$2.17M · min. income ≈ HK$21,044/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,014
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,310
−HK$300/mo
Today · 4.125%
HK$11,610
baseline
▲ 0.50% · 4.625%
HK$12,221
+HK$611/mo
Deposit HK$930K · loan HK$2.17M · min. income ≈ HK$23,220/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,729
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,125
−HK$403/mo
Today · 4.125%
HK$13,528
baseline
▲ 0.50% · 4.625%
HK$14,351
+HK$823/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$27,056/mo (50% DSR)
Upfront cash ≈ HK$310K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,161
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,541
−HK$386/mo
Today · 4.125%
HK$14,927
baseline
▲ 0.50% · 4.625%
HK$15,713
+HK$786/mo
Deposit HK$310K · loan HK$2.79M · min. income ≈ HK$29,854/mo (50% DSR)
Upfront cash ≈ HK$310K (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).