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$7,118
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,339
−HK$225/mo
Today · 4.125%
HK$7,564
baseline
▲ 0.50% · 4.625%
HK$8,025
+HK$461/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,128/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,919
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,131
−HK$216/mo
Today · 4.125%
HK$8,347
baseline
▲ 0.50% · 4.625%
HK$8,786
+HK$439/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,694/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,542
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,807
−HK$270/mo
Today · 4.125%
HK$9,077
baseline
▲ 0.50% · 4.625%
HK$9,630
+HK$553/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,154/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,502
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,757
−HK$259/mo
Today · 4.125%
HK$10,016
baseline
▲ 0.50% · 4.625%
HK$10,544
+HK$528/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$20,032/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,965
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,275
−HK$315/mo
Today · 4.125%
HK$10,590
baseline
▲ 0.50% · 4.625%
HK$11,235
+HK$645/mo
Deposit HK$936K · loan HK$2.19M · min. income ≈ HK$21,180/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,086
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,384
−HK$301/mo
Today · 4.125%
HK$11,685
baseline
▲ 0.50% · 4.625%
HK$12,301
+HK$616/mo
Deposit HK$936K · loan HK$2.19M · min. income ≈ HK$23,370/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,812
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,211
−HK$405/mo
Today · 4.125%
HK$13,616
baseline
▲ 0.50% · 4.625%
HK$14,444
+HK$828/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,232/mo (50% DSR)
Upfront cash ≈ HK$312K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,254
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,636
−HK$388/mo
Today · 4.125%
HK$15,024
baseline
▲ 0.50% · 4.625%
HK$15,816
+HK$792/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$30,048/mo (50% DSR)
Upfront cash ≈ HK$312K (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).