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$7,441
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,673
−HK$235/mo
Today · 4.125%
HK$7,908
baseline
▲ 0.50% · 4.625%
HK$8,389
+HK$481/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,816/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$8,278
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,500
−HK$226/mo
Today · 4.125%
HK$8,726
baseline
▲ 0.50% · 4.625%
HK$9,186
+HK$460/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,452/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$8,930
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,207
−HK$283/mo
Today · 4.125%
HK$9,490
baseline
▲ 0.50% · 4.625%
HK$10,067
+HK$577/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$18,980/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,934
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,201
−HK$270/mo
Today · 4.125%
HK$10,471
baseline
▲ 0.50% · 4.625%
HK$11,023
+HK$552/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,942/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,418
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,742
−HK$329/mo
Today · 4.125%
HK$11,071
baseline
▲ 0.50% · 4.625%
HK$11,745
+HK$674/mo
Deposit HK$979K · loan HK$2.28M · min. income ≈ HK$22,142/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,590
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,901
−HK$315/mo
Today · 4.125%
HK$12,216
baseline
▲ 0.50% · 4.625%
HK$12,860
+HK$644/mo
Deposit HK$979K · loan HK$2.28M · min. income ≈ HK$24,432/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,394
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,811
−HK$423/mo
Today · 4.125%
HK$14,234
baseline
▲ 0.50% · 4.625%
HK$15,101
+HK$867/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$28,468/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$14,901
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,301
−HK$405/mo
Today · 4.125%
HK$15,706
baseline
▲ 0.50% · 4.625%
HK$16,534
+HK$828/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$31,412/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).