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$6,891
−HK$432/mo
▼ 0.25% · 3.875%
HK$7,106
−HK$217/mo
Today · 4.125%
HK$7,323
baseline
▲ 0.50% · 4.625%
HK$7,769
+HK$446/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,646/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,666
−HK$415/mo
▼ 0.25% · 3.875%
HK$7,872
−HK$209/mo
Today · 4.125%
HK$8,081
baseline
▲ 0.50% · 4.625%
HK$8,506
+HK$425/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,162/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,269
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,527
−HK$261/mo
Today · 4.125%
HK$8,788
baseline
▲ 0.50% · 4.625%
HK$9,323
+HK$535/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,576/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,200
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,446
−HK$251/mo
Today · 4.125%
HK$9,697
baseline
▲ 0.50% · 4.625%
HK$10,208
+HK$511/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,394/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,648
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,948
−HK$305/mo
Today · 4.125%
HK$10,253
baseline
▲ 0.50% · 4.625%
HK$10,876
+HK$623/mo
Deposit HK$907K · loan HK$2.12M · min. income ≈ HK$20,506/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,733
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,021
−HK$292/mo
Today · 4.125%
HK$11,313
baseline
▲ 0.50% · 4.625%
HK$11,909
+HK$596/mo
Deposit HK$907K · loan HK$2.12M · min. income ≈ HK$22,626/mo (50% DSR)
Upfront cash ≈ HK$907K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,404
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,790
−HK$392/mo
Today · 4.125%
HK$13,182
baseline
▲ 0.50% · 4.625%
HK$13,984
+HK$802/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,364/mo (50% DSR)
Upfront cash ≈ HK$302K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,799
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,170
−HK$375/mo
Today · 4.125%
HK$14,545
baseline
▲ 0.50% · 4.625%
HK$15,312
+HK$767/mo
Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$29,090/mo (50% DSR)
Upfront cash ≈ HK$302K (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).