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$6,792
−HK$426/mo
▼ 0.25% · 3.875%
HK$7,003
−HK$215/mo
Today · 4.125%
HK$7,218
baseline
▲ 0.50% · 4.625%
HK$7,657
+HK$439/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,436/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,556
−HK$408/mo
▼ 0.25% · 3.875%
HK$7,759
−HK$205/mo
Today · 4.125%
HK$7,964
baseline
▲ 0.50% · 4.625%
HK$8,384
+HK$420/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,928/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,151
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,404
−HK$258/mo
Today · 4.125%
HK$8,662
baseline
▲ 0.50% · 4.625%
HK$9,189
+HK$527/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$17,324/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,068
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,311
−HK$246/mo
Today · 4.125%
HK$9,557
baseline
▲ 0.50% · 4.625%
HK$10,061
+HK$504/mo
Deposit HK$1.19M · loan HK$1.79M · min. income ≈ HK$19,114/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,509
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,805
−HK$300/mo
Today · 4.125%
HK$10,105
baseline
▲ 0.50% · 4.625%
HK$10,720
+HK$615/mo
Deposit HK$894K · loan HK$2.09M · min. income ≈ HK$20,210/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,579
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,862
−HK$288/mo
Today · 4.125%
HK$11,150
baseline
▲ 0.50% · 4.625%
HK$11,738
+HK$588/mo
Deposit HK$894K · loan HK$2.09M · min. income ≈ HK$22,300/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,226
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,606
−HK$387/mo
Today · 4.125%
HK$12,993
baseline
▲ 0.50% · 4.625%
HK$13,783
+HK$790/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$25,986/mo (50% DSR)
Upfront cash ≈ HK$298K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,601
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,966
−HK$370/mo
Today · 4.125%
HK$14,336
baseline
▲ 0.50% · 4.625%
HK$15,092
+HK$756/mo
Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$28,672/mo (50% DSR)
Upfront cash ≈ HK$298K (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).