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$7,433
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,664
−HK$235/mo
Today · 4.125%
HK$7,899
baseline
▲ 0.50% · 4.625%
HK$8,380
+HK$481/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,798/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,269
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,491
−HK$225/mo
Today · 4.125%
HK$8,716
baseline
▲ 0.50% · 4.625%
HK$9,175
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,432/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,919
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,197
−HK$282/mo
Today · 4.125%
HK$9,479
baseline
▲ 0.50% · 4.625%
HK$10,055
+HK$576/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$18,958/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,923
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,189
−HK$270/mo
Today · 4.125%
HK$10,459
baseline
▲ 0.50% · 4.625%
HK$11,010
+HK$551/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$20,918/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,406
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,730
−HK$328/mo
Today · 4.125%
HK$11,058
baseline
▲ 0.50% · 4.625%
HK$11,731
+HK$673/mo
Deposit HK$978K · loan HK$2.28M · min. income ≈ HK$22,116/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,576
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,887
−HK$315/mo
Today · 4.125%
HK$12,202
baseline
▲ 0.50% · 4.625%
HK$12,845
+HK$643/mo
Deposit HK$978K · loan HK$2.28M · min. income ≈ HK$24,404/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,379
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,795
−HK$423/mo
Today · 4.125%
HK$14,218
baseline
▲ 0.50% · 4.625%
HK$15,083
+HK$865/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$28,436/mo (50% DSR)
Upfront cash ≈ HK$326K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,884
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,283
−HK$405/mo
Today · 4.125%
HK$15,688
baseline
▲ 0.50% · 4.625%
HK$16,515
+HK$827/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$31,376/mo (50% DSR)
Upfront cash ≈ HK$326K (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).