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$6,952
−HK$436/mo
▼ 0.25% · 3.875%
HK$7,168
−HK$220/mo
Today · 4.125%
HK$7,388
baseline
▲ 0.50% · 4.625%
HK$7,838
+HK$450/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$14,776/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$7,734
−HK$418/mo
▼ 0.25% · 3.875%
HK$7,942
−HK$210/mo
Today · 4.125%
HK$8,152
baseline
▲ 0.50% · 4.625%
HK$8,582
+HK$430/mo
Deposit HK$1.52M · loan HK$1.52M · min. income ≈ HK$16,304/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$8,343
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,602
−HK$264/mo
Today · 4.125%
HK$8,866
baseline
▲ 0.50% · 4.625%
HK$9,405
+HK$539/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,732/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$9,281
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,530
−HK$252/mo
Today · 4.125%
HK$9,782
baseline
▲ 0.50% · 4.625%
HK$10,298
+HK$516/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,564/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$9,733
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,036
−HK$307/mo
Today · 4.125%
HK$10,343
baseline
▲ 0.50% · 4.625%
HK$10,973
+HK$630/mo
Deposit HK$915K · loan HK$2.13M · min. income ≈ HK$20,686/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,828
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,118
−HK$295/mo
Today · 4.125%
HK$11,413
baseline
▲ 0.50% · 4.625%
HK$12,014
+HK$601/mo
Deposit HK$915K · loan HK$2.13M · min. income ≈ HK$22,826/mo (50% DSR)
Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,514
−HK$785/mo
▼ 0.25% · 3.875%
HK$12,903
−HK$396/mo
Today · 4.125%
HK$13,299
baseline
▲ 0.50% · 4.625%
HK$14,108
+HK$809/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$26,598/mo (50% DSR)
Upfront cash ≈ HK$305K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,921
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,295
−HK$379/mo
Today · 4.125%
HK$14,674
baseline
▲ 0.50% · 4.625%
HK$15,447
+HK$773/mo
Deposit HK$305K · loan HK$2.74M · min. income ≈ HK$29,348/mo (50% DSR)
Upfront cash ≈ HK$305K (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).