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$7,348
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,577
−HK$232/mo
Today · 4.125%
HK$7,809
baseline
▲ 0.50% · 4.625%
HK$8,284
+HK$475/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,618/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,175
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,394
−HK$222/mo
Today · 4.125%
HK$8,616
baseline
▲ 0.50% · 4.625%
HK$9,071
+HK$455/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,232/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,818
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,092
−HK$279/mo
Today · 4.125%
HK$9,371
baseline
▲ 0.50% · 4.625%
HK$9,941
+HK$570/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,742/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,810
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,073
−HK$267/mo
Today · 4.125%
HK$10,340
baseline
▲ 0.50% · 4.625%
HK$10,885
+HK$545/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,680/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,288
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,608
−HK$325/mo
Today · 4.125%
HK$10,933
baseline
▲ 0.50% · 4.625%
HK$11,598
+HK$665/mo
Deposit HK$967K · loan HK$2.26M · min. income ≈ HK$21,866/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,445
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,752
−HK$311/mo
Today · 4.125%
HK$12,063
baseline
▲ 0.50% · 4.625%
HK$12,699
+HK$636/mo
Deposit HK$967K · loan HK$2.26M · min. income ≈ HK$24,126/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,227
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,638
−HK$418/mo
Today · 4.125%
HK$14,056
baseline
▲ 0.50% · 4.625%
HK$14,912
+HK$856/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,112/mo (50% DSR)
Upfront cash ≈ HK$322K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,715
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,109
−HK$401/mo
Today · 4.125%
HK$15,510
baseline
▲ 0.50% · 4.625%
HK$16,327
+HK$817/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$31,020/mo (50% DSR)
Upfront cash ≈ HK$322K (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).