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$6,916
−HK$434/mo
▼ 0.25% · 3.875%
HK$7,131
−HK$219/mo
Today · 4.125%
HK$7,350
baseline
▲ 0.50% · 4.625%
HK$7,797
+HK$447/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,700/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,694
−HK$416/mo
▼ 0.25% · 3.875%
HK$7,900
−HK$210/mo
Today · 4.125%
HK$8,110
baseline
▲ 0.50% · 4.625%
HK$8,537
+HK$427/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,220/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,299
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,557
−HK$262/mo
Today · 4.125%
HK$8,819
baseline
▲ 0.50% · 4.625%
HK$9,356
+HK$537/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,638/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$9,233
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,480
−HK$251/mo
Today · 4.125%
HK$9,731
baseline
▲ 0.50% · 4.625%
HK$10,244
+HK$513/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,462/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$9,682
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,983
−HK$306/mo
Today · 4.125%
HK$10,289
baseline
▲ 0.50% · 4.625%
HK$10,915
+HK$626/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$20,578/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,771
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,060
−HK$293/mo
Today · 4.125%
HK$11,353
baseline
▲ 0.50% · 4.625%
HK$11,952
+HK$599/mo
Deposit HK$910K · loan HK$2.12M · min. income ≈ HK$22,706/mo (50% DSR)
Upfront cash ≈ HK$910K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,449
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,836
−HK$393/mo
Today · 4.125%
HK$13,229
baseline
▲ 0.50% · 4.625%
HK$14,034
+HK$805/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$26,458/mo (50% DSR)
Upfront cash ≈ HK$303K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,849
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,220
−HK$377/mo
Today · 4.125%
HK$14,597
baseline
▲ 0.50% · 4.625%
HK$15,367
+HK$770/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$29,194/mo (50% DSR)
Upfront cash ≈ HK$303K (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).