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$6,977
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,194
−HK$221/mo
Today · 4.125%
HK$7,415
baseline
▲ 0.50% · 4.625%
HK$7,866
+HK$451/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,830/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,762
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,971
−HK$211/mo
Today · 4.125%
HK$8,182
baseline
▲ 0.50% · 4.625%
HK$8,613
+HK$431/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,364/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,373
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,633
−HK$265/mo
Today · 4.125%
HK$8,898
baseline
▲ 0.50% · 4.625%
HK$9,439
+HK$541/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$17,796/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,315
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,565
−HK$253/mo
Today · 4.125%
HK$9,818
baseline
▲ 0.50% · 4.625%
HK$10,336
+HK$518/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$19,636/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,768
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,072
−HK$309/mo
Today · 4.125%
HK$10,381
baseline
▲ 0.50% · 4.625%
HK$11,013
+HK$632/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$20,762/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,867
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,159
−HK$295/mo
Today · 4.125%
HK$11,454
baseline
▲ 0.50% · 4.625%
HK$12,058
+HK$604/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$22,908/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,559
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,950
−HK$397/mo
Today · 4.125%
HK$13,347
baseline
▲ 0.50% · 4.625%
HK$14,159
+HK$812/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,694/mo (50% DSR)
Upfront cash ≈ HK$306K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,972
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,347
−HK$380/mo
Today · 4.125%
HK$14,727
baseline
▲ 0.50% · 4.625%
HK$15,503
+HK$776/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,454/mo (50% DSR)
Upfront cash ≈ HK$306K (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).