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$6,370
−HK$399/mo
▼ 0.25% · 3.875%
HK$6,568
−HK$201/mo
Today · 4.125%
HK$6,769
baseline
▲ 0.50% · 4.625%
HK$7,181
+HK$412/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$13,538/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,087
−HK$382/mo
▼ 0.25% · 3.875%
HK$7,277
−HK$192/mo
Today · 4.125%
HK$7,469
baseline
▲ 0.50% · 4.625%
HK$7,863
+HK$394/mo
Deposit HK$1.40M · loan HK$1.40M · min. income ≈ HK$14,938/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,644
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,882
−HK$241/mo
Today · 4.125%
HK$8,123
baseline
▲ 0.50% · 4.625%
HK$8,618
+HK$495/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$16,246/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,504
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,732
−HK$231/mo
Today · 4.125%
HK$8,963
baseline
▲ 0.50% · 4.625%
HK$9,436
+HK$473/mo
Deposit HK$1.12M · loan HK$1.68M · min. income ≈ HK$17,926/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,918
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,195
−HK$282/mo
Today · 4.125%
HK$9,477
baseline
▲ 0.50% · 4.625%
HK$10,054
+HK$577/mo
Deposit HK$838K · loan HK$1.96M · min. income ≈ HK$18,954/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,921
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,187
−HK$270/mo
Today · 4.125%
HK$10,457
baseline
▲ 0.50% · 4.625%
HK$11,008
+HK$551/mo
Deposit HK$838K · loan HK$1.96M · min. income ≈ HK$20,914/mo (50% DSR)
Upfront cash ≈ HK$838K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,466
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,823
−HK$362/mo
Today · 4.125%
HK$12,185
baseline
▲ 0.50% · 4.625%
HK$12,926
+HK$741/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$24,370/mo (50% DSR)
Upfront cash ≈ HK$279K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,756
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,098
−HK$347/mo
Today · 4.125%
HK$13,445
baseline
▲ 0.50% · 4.625%
HK$14,154
+HK$709/mo
Deposit HK$279K · loan HK$2.51M · min. income ≈ HK$26,890/mo (50% DSR)
Upfront cash ≈ HK$279K (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).