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$7,421
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,652
−HK$234/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$8,256
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,477
−HK$225/mo
Today · 4.125%
HK$8,702
baseline
▲ 0.50% · 4.625%
HK$9,161
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,404/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$559/mo
▼ 0.25% · 3.875%
HK$9,182
−HK$282/mo
Today · 4.125%
HK$9,464
baseline
▲ 0.50% · 4.625%
HK$10,039
+HK$575/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,928/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$9,907
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,173
−HK$269/mo
Today · 4.125%
HK$10,442
baseline
▲ 0.50% · 4.625%
HK$10,993
+HK$551/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,884/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$652/mo
▼ 0.25% · 3.875%
HK$10,713
−HK$328/mo
Today · 4.125%
HK$11,041
baseline
▲ 0.50% · 4.625%
HK$11,713
+HK$672/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$22,082/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$11,558
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,868
−HK$315/mo
Today · 4.125%
HK$12,183
baseline
▲ 0.50% · 4.625%
HK$12,825
+HK$642/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$24,366/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$13,358
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,773
−HK$422/mo
Today · 4.125%
HK$14,195
baseline
▲ 0.50% · 4.625%
HK$15,059
+HK$864/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$28,390/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$14,860
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,259
−HK$404/mo
Today · 4.125%
HK$15,663
baseline
▲ 0.50% · 4.625%
HK$16,489
+HK$826/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$31,326/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).