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$6,654
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,861
−HK$210/mo
Today · 4.125%
HK$7,071
baseline
▲ 0.50% · 4.625%
HK$7,501
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,142/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,402
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,601
−HK$201/mo
Today · 4.125%
HK$7,802
baseline
▲ 0.50% · 4.625%
HK$8,213
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,604/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,984
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,233
−HK$252/mo
Today · 4.125%
HK$8,485
baseline
▲ 0.50% · 4.625%
HK$9,001
+HK$516/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,970/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,883
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,121
−HK$241/mo
Today · 4.125%
HK$9,362
baseline
▲ 0.50% · 4.625%
HK$9,856
+HK$494/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,724/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,315
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,605
−HK$294/mo
Today · 4.125%
HK$9,899
baseline
▲ 0.50% · 4.625%
HK$10,502
+HK$603/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$19,798/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,363
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,641
−HK$282/mo
Today · 4.125%
HK$10,923
baseline
▲ 0.50% · 4.625%
HK$11,499
+HK$576/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$21,846/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,977
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,349
−HK$379/mo
Today · 4.125%
HK$12,728
baseline
▲ 0.50% · 4.625%
HK$13,502
+HK$774/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,456/mo (50% DSR)
Upfront cash ≈ HK$292K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,324
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,681
−HK$363/mo
Today · 4.125%
HK$14,044
baseline
▲ 0.50% · 4.625%
HK$14,784
+HK$740/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,088/mo (50% DSR)
Upfront cash ≈ HK$292K (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).