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$6,940
−HK$435/mo
▼ 0.25% · 3.875%
HK$7,155
−HK$220/mo
Today · 4.125%
HK$7,375
baseline
▲ 0.50% · 4.625%
HK$7,824
+HK$449/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,750/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,720
−HK$417/mo
▼ 0.25% · 3.875%
HK$7,927
−HK$210/mo
Today · 4.125%
HK$8,137
baseline
▲ 0.50% · 4.625%
HK$8,566
+HK$429/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,274/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,328
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,587
−HK$263/mo
Today · 4.125%
HK$8,850
baseline
▲ 0.50% · 4.625%
HK$9,388
+HK$538/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,700/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,264
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,513
−HK$252/mo
Today · 4.125%
HK$9,765
baseline
▲ 0.50% · 4.625%
HK$10,280
+HK$515/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,530/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,715
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,018
−HK$307/mo
Today · 4.125%
HK$10,325
baseline
▲ 0.50% · 4.625%
HK$10,953
+HK$628/mo
Deposit HK$913K · loan HK$2.13M · min. income ≈ HK$20,650/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,808
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,098
−HK$294/mo
Today · 4.125%
HK$11,392
baseline
▲ 0.50% · 4.625%
HK$11,993
+HK$601/mo
Deposit HK$913K · loan HK$2.13M · min. income ≈ HK$22,784/mo (50% DSR)
Upfront cash ≈ HK$913K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,491
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,880
−HK$395/mo
Today · 4.125%
HK$13,275
baseline
▲ 0.50% · 4.625%
HK$14,082
+HK$807/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$26,550/mo (50% DSR)
Upfront cash ≈ HK$304K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,896
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,269
−HK$378/mo
Today · 4.125%
HK$14,647
baseline
▲ 0.50% · 4.625%
HK$15,419
+HK$772/mo
Deposit HK$304K · loan HK$2.74M · min. income ≈ HK$29,294/mo (50% DSR)
Upfront cash ≈ HK$304K (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).