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$6,974
−HK$437/mo
▼ 0.25% · 3.875%
HK$7,190
−HK$221/mo
Today · 4.125%
HK$7,411
baseline
▲ 0.50% · 4.625%
HK$7,862
+HK$451/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$14,822/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,758
−HK$419/mo
▼ 0.25% · 3.875%
HK$7,966
−HK$211/mo
Today · 4.125%
HK$8,177
baseline
▲ 0.50% · 4.625%
HK$8,608
+HK$431/mo
Deposit HK$1.53M · loan HK$1.53M · min. income ≈ HK$16,354/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,368
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,629
−HK$264/mo
Today · 4.125%
HK$8,893
baseline
▲ 0.50% · 4.625%
HK$9,434
+HK$541/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$17,786/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$9,310
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,559
−HK$254/mo
Today · 4.125%
HK$9,813
baseline
▲ 0.50% · 4.625%
HK$10,330
+HK$517/mo
Deposit HK$1.22M · loan HK$1.83M · min. income ≈ HK$19,626/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$9,763
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,067
−HK$308/mo
Today · 4.125%
HK$10,375
baseline
▲ 0.50% · 4.625%
HK$11,006
+HK$631/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$20,750/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,861
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,152
−HK$296/mo
Today · 4.125%
HK$11,448
baseline
▲ 0.50% · 4.625%
HK$12,051
+HK$603/mo
Deposit HK$917K · loan HK$2.14M · min. income ≈ HK$22,896/mo (50% DSR)
Upfront cash ≈ HK$918K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,552
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,943
−HK$397/mo
Today · 4.125%
HK$13,340
baseline
▲ 0.50% · 4.625%
HK$14,151
+HK$811/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$26,680/mo (50% DSR)
Upfront cash ≈ HK$306K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,964
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,339
−HK$380/mo
Today · 4.125%
HK$14,719
baseline
▲ 0.50% · 4.625%
HK$15,495
+HK$776/mo
Deposit HK$306K · loan HK$2.75M · min. income ≈ HK$29,438/mo (50% DSR)
Upfront cash ≈ HK$306K (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).