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$7,420
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,651
−HK$235/mo
Today · 4.125%
HK$7,886
baseline
▲ 0.50% · 4.625%
HK$8,366
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,772/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,255
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,477
−HK$224/mo
Today · 4.125%
HK$8,701
baseline
▲ 0.50% · 4.625%
HK$9,160
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,402/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,905
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,182
−HK$281/mo
Today · 4.125%
HK$9,463
baseline
▲ 0.50% · 4.625%
HK$10,039
+HK$576/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,926/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,906
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,172
−HK$269/mo
Today · 4.125%
HK$10,441
baseline
▲ 0.50% · 4.625%
HK$10,992
+HK$551/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,882/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,389
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,712
−HK$328/mo
Today · 4.125%
HK$11,040
baseline
▲ 0.50% · 4.625%
HK$11,712
+HK$672/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$22,080/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,557
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,867
−HK$315/mo
Today · 4.125%
HK$12,182
baseline
▲ 0.50% · 4.625%
HK$12,824
+HK$642/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$24,364/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,357
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,772
−HK$422/mo
Today · 4.125%
HK$14,194
baseline
▲ 0.50% · 4.625%
HK$15,058
+HK$864/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$28,388/mo (50% DSR)
Upfront cash ≈ HK$326K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,859
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,258
−HK$404/mo
Today · 4.125%
HK$15,662
baseline
▲ 0.50% · 4.625%
HK$16,488
+HK$826/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$31,324/mo (50% DSR)
Upfront cash ≈ HK$326K (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).