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$6,649
−HK$417/mo
▼ 0.25% · 3.875%
HK$6,856
−HK$210/mo
Today · 4.125%
HK$7,066
baseline
▲ 0.50% · 4.625%
HK$7,496
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,132/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$7,397
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,596
−HK$201/mo
Today · 4.125%
HK$7,797
baseline
▲ 0.50% · 4.625%
HK$8,208
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,594/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$7,979
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,227
−HK$253/mo
Today · 4.125%
HK$8,480
baseline
▲ 0.50% · 4.625%
HK$8,996
+HK$516/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,960/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$8,877
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,115
−HK$241/mo
Today · 4.125%
HK$9,356
baseline
▲ 0.50% · 4.625%
HK$9,850
+HK$494/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,712/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$9,309
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,599
−HK$294/mo
Today · 4.125%
HK$9,893
baseline
▲ 0.50% · 4.625%
HK$10,495
+HK$602/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$19,786/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$10,356
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,634
−HK$282/mo
Today · 4.125%
HK$10,916
baseline
▲ 0.50% · 4.625%
HK$11,491
+HK$575/mo
Deposit HK$875K · loan HK$2.04M · min. income ≈ HK$21,832/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$11,969
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,341
−HK$378/mo
Today · 4.125%
HK$12,719
baseline
▲ 0.50% · 4.625%
HK$13,493
+HK$774/mo
Deposit HK$292K · loan HK$2.62M · min. income ≈ HK$25,438/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$13,315
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,672
−HK$363/mo
Today · 4.125%
HK$14,035
baseline
▲ 0.50% · 4.625%
HK$14,774
+HK$739/mo
Deposit HK$292K · loan HK$2.62M · min. income ≈ HK$28,070/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).