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$6,555
−HK$411/mo
▼ 0.25% · 3.875%
HK$6,759
−HK$207/mo
Today · 4.125%
HK$6,966
baseline
▲ 0.50% · 4.625%
HK$7,390
+HK$424/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$13,932/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,292
−HK$394/mo
▼ 0.25% · 3.875%
HK$7,488
−HK$198/mo
Today · 4.125%
HK$7,686
baseline
▲ 0.50% · 4.625%
HK$8,091
+HK$405/mo
Deposit HK$1.44M · loan HK$1.44M · min. income ≈ HK$15,372/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,866
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,110
−HK$249/mo
Today · 4.125%
HK$8,359
baseline
▲ 0.50% · 4.625%
HK$8,867
+HK$508/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$16,718/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,750
−HK$473/mo
▼ 0.25% · 3.875%
HK$8,985
−HK$238/mo
Today · 4.125%
HK$9,223
baseline
▲ 0.50% · 4.625%
HK$9,709
+HK$486/mo
Deposit HK$1.15M · loan HK$1.72M · min. income ≈ HK$18,446/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,177
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,462
−HK$290/mo
Today · 4.125%
HK$9,752
baseline
▲ 0.50% · 4.625%
HK$10,345
+HK$593/mo
Deposit HK$862K · loan HK$2.01M · min. income ≈ HK$19,504/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,209
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,483
−HK$277/mo
Today · 4.125%
HK$10,760
baseline
▲ 0.50% · 4.625%
HK$11,328
+HK$568/mo
Deposit HK$862K · loan HK$2.01M · min. income ≈ HK$21,520/mo (50% DSR)
Upfront cash ≈ HK$862K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,798
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,165
−HK$373/mo
Today · 4.125%
HK$12,538
baseline
▲ 0.50% · 4.625%
HK$13,301
+HK$763/mo
Deposit HK$287K · loan HK$2.59M · min. income ≈ HK$25,076/mo (50% DSR)
Upfront cash ≈ HK$288K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,126
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,478
−HK$357/mo
Today · 4.125%
HK$13,835
baseline
▲ 0.50% · 4.625%
HK$14,564
+HK$729/mo
Deposit HK$287K · loan HK$2.59M · min. income ≈ HK$27,670/mo (50% DSR)
Upfront cash ≈ HK$288K (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).