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$7,327
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,555
−HK$232/mo
Today · 4.125%
HK$7,787
baseline
▲ 0.50% · 4.625%
HK$8,260
+HK$473/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,574/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,151
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,370
−HK$222/mo
Today · 4.125%
HK$8,592
baseline
▲ 0.50% · 4.625%
HK$9,045
+HK$453/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,184/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,792
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,066
−HK$278/mo
Today · 4.125%
HK$9,344
baseline
▲ 0.50% · 4.625%
HK$9,912
+HK$568/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,688/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,782
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,044
−HK$266/mo
Today · 4.125%
HK$10,310
baseline
▲ 0.50% · 4.625%
HK$10,853
+HK$543/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,620/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,258
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,577
−HK$324/mo
Today · 4.125%
HK$10,901
baseline
▲ 0.50% · 4.625%
HK$11,564
+HK$663/mo
Deposit HK$964K · loan HK$2.25M · min. income ≈ HK$21,802/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,412
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,718
−HK$310/mo
Today · 4.125%
HK$12,028
baseline
▲ 0.50% · 4.625%
HK$12,662
+HK$634/mo
Deposit HK$964K · loan HK$2.25M · min. income ≈ HK$24,056/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,189
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,599
−HK$417/mo
Today · 4.125%
HK$14,016
baseline
▲ 0.50% · 4.625%
HK$14,869
+HK$853/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$28,032/mo (50% DSR)
Upfront cash ≈ HK$321K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,672
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,066
−HK$399/mo
Today · 4.125%
HK$15,465
baseline
▲ 0.50% · 4.625%
HK$16,280
+HK$815/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,930/mo (50% DSR)
Upfront cash ≈ HK$321K (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).