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$6,445
−HK$404/mo
▼ 0.25% · 3.875%
HK$6,646
−HK$203/mo
Today · 4.125%
HK$6,849
baseline
▲ 0.50% · 4.625%
HK$7,266
+HK$417/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$13,698/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,170
−HK$388/mo
▼ 0.25% · 3.875%
HK$7,363
−HK$195/mo
Today · 4.125%
HK$7,558
baseline
▲ 0.50% · 4.625%
HK$7,956
+HK$398/mo
Deposit HK$1.41M · loan HK$1.41M · min. income ≈ HK$15,116/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,734
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,975
−HK$244/mo
Today · 4.125%
HK$8,219
baseline
▲ 0.50% · 4.625%
HK$8,719
+HK$500/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$16,438/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,604
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,835
−HK$234/mo
Today · 4.125%
HK$9,069
baseline
▲ 0.50% · 4.625%
HK$9,547
+HK$478/mo
Deposit HK$1.13M · loan HK$1.70M · min. income ≈ HK$18,138/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,023
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,304
−HK$285/mo
Today · 4.125%
HK$9,589
baseline
▲ 0.50% · 4.625%
HK$10,173
+HK$584/mo
Deposit HK$848K · loan HK$1.98M · min. income ≈ HK$19,178/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,038
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,308
−HK$273/mo
Today · 4.125%
HK$10,581
baseline
▲ 0.50% · 4.625%
HK$11,138
+HK$557/mo
Deposit HK$848K · loan HK$1.98M · min. income ≈ HK$21,162/mo (50% DSR)
Upfront cash ≈ HK$848K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,601
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,962
−HK$367/mo
Today · 4.125%
HK$12,329
baseline
▲ 0.50% · 4.625%
HK$13,079
+HK$750/mo
Deposit HK$283K · loan HK$2.54M · min. income ≈ HK$24,658/mo (50% DSR)
Upfront cash ≈ HK$283K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,906
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,253
−HK$351/mo
Today · 4.125%
HK$13,604
baseline
▲ 0.50% · 4.625%
HK$14,321
+HK$717/mo
Deposit HK$283K · loan HK$2.54M · min. income ≈ HK$27,208/mo (50% DSR)
Upfront cash ≈ HK$283K (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).