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$6,876
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,090
−HK$217/mo
Today · 4.125%
HK$7,307
baseline
▲ 0.50% · 4.625%
HK$7,752
+HK$445/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$14,614/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$7,649
−HK$414/mo
▼ 0.25% · 3.875%
HK$7,854
−HK$209/mo
Today · 4.125%
HK$8,063
baseline
▲ 0.50% · 4.625%
HK$8,488
+HK$425/mo
Deposit HK$1.51M · loan HK$1.51M · min. income ≈ HK$16,126/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$8,251
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,508
−HK$260/mo
Today · 4.125%
HK$8,768
baseline
▲ 0.50% · 4.625%
HK$9,302
+HK$534/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$17,536/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$9,179
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,425
−HK$250/mo
Today · 4.125%
HK$9,675
baseline
▲ 0.50% · 4.625%
HK$10,185
+HK$510/mo
Deposit HK$1.21M · loan HK$1.81M · min. income ≈ HK$19,350/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$9,626
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,926
−HK$304/mo
Today · 4.125%
HK$10,230
baseline
▲ 0.50% · 4.625%
HK$10,852
+HK$622/mo
Deposit HK$905K · loan HK$2.11M · min. income ≈ HK$20,460/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,709
−HK$579/mo
▼ 0.25% · 3.875%
HK$10,996
−HK$292/mo
Today · 4.125%
HK$11,288
baseline
▲ 0.50% · 4.625%
HK$11,883
+HK$595/mo
Deposit HK$905K · loan HK$2.11M · min. income ≈ HK$22,576/mo (50% DSR)
Upfront cash ≈ HK$905K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,377
−HK$776/mo
▼ 0.25% · 3.875%
HK$12,762
−HK$391/mo
Today · 4.125%
HK$13,153
baseline
▲ 0.50% · 4.625%
HK$13,953
+HK$800/mo
Deposit HK$302K · loan HK$2.71M · min. income ≈ HK$26,306/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$13,769
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,138
−HK$375/mo
Today · 4.125%
HK$14,513
baseline
▲ 0.50% · 4.625%
HK$15,278
+HK$765/mo
Deposit HK$302K · loan HK$2.71M · min. income ≈ HK$29,026/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).