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$6,978
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,196
−HK$220/mo
Today · 4.125%
HK$7,416
baseline
▲ 0.50% · 4.625%
HK$7,867
+HK$451/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,832/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$7,763
−HK$420/mo
▼ 0.25% · 3.875%
HK$7,972
−HK$211/mo
Today · 4.125%
HK$8,183
baseline
▲ 0.50% · 4.625%
HK$8,614
+HK$431/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,366/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$8,374
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,635
−HK$264/mo
Today · 4.125%
HK$8,899
baseline
▲ 0.50% · 4.625%
HK$9,441
+HK$542/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$17,798/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$9,316
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,566
−HK$253/mo
Today · 4.125%
HK$9,819
baseline
▲ 0.50% · 4.625%
HK$10,337
+HK$518/mo
Deposit HK$1.22M · loan HK$1.84M · min. income ≈ HK$19,638/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$9,770
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,074
−HK$308/mo
Today · 4.125%
HK$10,382
baseline
▲ 0.50% · 4.625%
HK$11,014
+HK$632/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$20,764/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$10,869
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,160
−HK$296/mo
Today · 4.125%
HK$11,456
baseline
▲ 0.50% · 4.625%
HK$12,060
+HK$604/mo
Deposit HK$918K · loan HK$2.14M · min. income ≈ HK$22,912/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$12,561
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,952
−HK$397/mo
Today · 4.125%
HK$13,349
baseline
▲ 0.50% · 4.625%
HK$14,161
+HK$812/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,698/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$13,974
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,349
−HK$380/mo
Today · 4.125%
HK$14,729
baseline
▲ 0.50% · 4.625%
HK$15,506
+HK$777/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,458/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).