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$6,853
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,066
−HK$217/mo
Today · 4.125%
HK$7,283
baseline
▲ 0.50% · 4.625%
HK$7,726
+HK$443/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,566/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,624
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,828
−HK$208/mo
Today · 4.125%
HK$8,036
baseline
▲ 0.50% · 4.625%
HK$8,459
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,072/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,223
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,479
−HK$260/mo
Today · 4.125%
HK$8,739
baseline
▲ 0.50% · 4.625%
HK$9,271
+HK$532/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,478/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,149
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,394
−HK$249/mo
Today · 4.125%
HK$9,643
baseline
▲ 0.50% · 4.625%
HK$10,151
+HK$508/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,286/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,594
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,892
−HK$304/mo
Today · 4.125%
HK$10,196
baseline
▲ 0.50% · 4.625%
HK$10,816
+HK$620/mo
Deposit HK$902K · loan HK$2.10M · min. income ≈ HK$20,392/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,673
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,960
−HK$290/mo
Today · 4.125%
HK$11,250
baseline
▲ 0.50% · 4.625%
HK$11,843
+HK$593/mo
Deposit HK$902K · loan HK$2.10M · min. income ≈ HK$22,500/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,335
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,719
−HK$390/mo
Today · 4.125%
HK$13,109
baseline
▲ 0.50% · 4.625%
HK$13,906
+HK$797/mo
Deposit HK$301K · loan HK$2.70M · min. income ≈ HK$26,218/mo (50% DSR)
Upfront cash ≈ HK$301K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,723
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,091
−HK$373/mo
Today · 4.125%
HK$14,464
baseline
▲ 0.50% · 4.625%
HK$15,227
+HK$763/mo
Deposit HK$301K · loan HK$2.70M · min. income ≈ HK$28,928/mo (50% DSR)
Upfront cash ≈ HK$301K (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).