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$6,907
−HK$433/mo
▼ 0.25% · 3.875%
HK$7,122
−HK$218/mo
Today · 4.125%
HK$7,340
baseline
▲ 0.50% · 4.625%
HK$7,786
+HK$446/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,680/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$7,684
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,890
−HK$209/mo
Today · 4.125%
HK$8,099
baseline
▲ 0.50% · 4.625%
HK$8,526
+HK$427/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,198/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$8,288
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,546
−HK$262/mo
Today · 4.125%
HK$8,808
baseline
▲ 0.50% · 4.625%
HK$9,344
+HK$536/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$17,616/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$9,220
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,468
−HK$251/mo
Today · 4.125%
HK$9,719
baseline
▲ 0.50% · 4.625%
HK$10,231
+HK$512/mo
Deposit HK$1.21M · loan HK$1.82M · min. income ≈ HK$19,438/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$9,669
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,970
−HK$306/mo
Today · 4.125%
HK$10,276
baseline
▲ 0.50% · 4.625%
HK$10,901
+HK$625/mo
Deposit HK$909K · loan HK$2.12M · min. income ≈ HK$20,552/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,757
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,046
−HK$292/mo
Today · 4.125%
HK$11,338
baseline
▲ 0.50% · 4.625%
HK$11,936
+HK$598/mo
Deposit HK$909K · loan HK$2.12M · min. income ≈ HK$22,676/mo (50% DSR)
Upfront cash ≈ HK$909K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,432
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,819
−HK$393/mo
Today · 4.125%
HK$13,212
baseline
▲ 0.50% · 4.625%
HK$14,016
+HK$804/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$26,424/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$13,831
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,201
−HK$377/mo
Today · 4.125%
HK$14,578
baseline
▲ 0.50% · 4.625%
HK$15,346
+HK$768/mo
Deposit HK$303K · loan HK$2.73M · min. income ≈ HK$29,156/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).