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$6,986
−HK$438/mo
▼ 0.25% · 3.875%
HK$7,203
−HK$221/mo
Today · 4.125%
HK$7,424
baseline
▲ 0.50% · 4.625%
HK$7,876
+HK$452/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,848/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$7,772
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,980
−HK$211/mo
Today · 4.125%
HK$8,191
baseline
▲ 0.50% · 4.625%
HK$8,623
+HK$432/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,382/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$8,383
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,644
−HK$265/mo
Today · 4.125%
HK$8,909
baseline
▲ 0.50% · 4.625%
HK$9,451
+HK$542/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$17,818/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,326
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,576
−HK$254/mo
Today · 4.125%
HK$9,830
baseline
▲ 0.50% · 4.625%
HK$10,348
+HK$518/mo
Deposit HK$1.23M · loan HK$1.84M · min. income ≈ HK$19,660/mo (50% DSR)
Upfront cash ≈ HK$1.23M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,780
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,084
−HK$309/mo
Today · 4.125%
HK$10,393
baseline
▲ 0.50% · 4.625%
HK$11,026
+HK$633/mo
Deposit HK$919K · loan HK$2.14M · min. income ≈ HK$20,786/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,880
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,172
−HK$296/mo
Today · 4.125%
HK$11,468
baseline
▲ 0.50% · 4.625%
HK$12,073
+HK$605/mo
Deposit HK$919K · loan HK$2.14M · min. income ≈ HK$22,936/mo (50% DSR)
Upfront cash ≈ HK$919K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,574
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,965
−HK$398/mo
Today · 4.125%
HK$13,363
baseline
▲ 0.50% · 4.625%
HK$14,176
+HK$813/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$26,726/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$13,989
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,364
−HK$381/mo
Today · 4.125%
HK$14,745
baseline
▲ 0.50% · 4.625%
HK$15,522
+HK$777/mo
Deposit HK$306K · loan HK$2.76M · min. income ≈ HK$29,490/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).