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$6,870
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,084
−HK$217/mo
Today · 4.125%
HK$7,301
baseline
▲ 0.50% · 4.625%
HK$7,745
+HK$444/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,602/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,643
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,848
−HK$208/mo
Today · 4.125%
HK$8,056
baseline
▲ 0.50% · 4.625%
HK$8,480
+HK$424/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,112/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,244
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,500
−HK$261/mo
Today · 4.125%
HK$8,761
baseline
▲ 0.50% · 4.625%
HK$9,294
+HK$533/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,522/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,171
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,417
−HK$250/mo
Today · 4.125%
HK$9,667
baseline
▲ 0.50% · 4.625%
HK$10,176
+HK$509/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,334/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,618
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,917
−HK$304/mo
Today · 4.125%
HK$10,221
baseline
▲ 0.50% · 4.625%
HK$10,843
+HK$622/mo
Deposit HK$904K · loan HK$2.11M · min. income ≈ HK$20,442/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,700
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,987
−HK$291/mo
Today · 4.125%
HK$11,278
baseline
▲ 0.50% · 4.625%
HK$11,872
+HK$594/mo
Deposit HK$904K · loan HK$2.11M · min. income ≈ HK$22,556/mo (50% DSR)
Upfront cash ≈ HK$904K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,366
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,751
−HK$390/mo
Today · 4.125%
HK$13,141
baseline
▲ 0.50% · 4.625%
HK$13,941
+HK$800/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,282/mo (50% DSR)
Upfront cash ≈ HK$301K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,757
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,126
−HK$374/mo
Today · 4.125%
HK$14,500
baseline
▲ 0.50% · 4.625%
HK$15,265
+HK$765/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$29,000/mo (50% DSR)
Upfront cash ≈ HK$301K (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).