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$7,595
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,831
−HK$241/mo
Today · 4.125%
HK$8,072
baseline
▲ 0.50% · 4.625%
HK$8,563
+HK$491/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,144/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,450
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,676
−HK$230/mo
Today · 4.125%
HK$8,906
baseline
▲ 0.50% · 4.625%
HK$9,376
+HK$470/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,812/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,114
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,398
−HK$288/mo
Today · 4.125%
HK$9,686
baseline
▲ 0.50% · 4.625%
HK$10,275
+HK$589/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,372/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,140
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,411
−HK$276/mo
Today · 4.125%
HK$10,687
baseline
▲ 0.50% · 4.625%
HK$11,251
+HK$564/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,374/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,633
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,964
−HK$336/mo
Today · 4.125%
HK$11,300
baseline
▲ 0.50% · 4.625%
HK$11,988
+HK$688/mo
Deposit HK$999K · loan HK$2.33M · min. income ≈ HK$22,600/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,829
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,147
−HK$322/mo
Today · 4.125%
HK$12,469
baseline
▲ 0.50% · 4.625%
HK$13,126
+HK$657/mo
Deposit HK$999K · loan HK$2.33M · min. income ≈ HK$24,938/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,671
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,097
−HK$432/mo
Today · 4.125%
HK$14,529
baseline
▲ 0.50% · 4.625%
HK$15,413
+HK$884/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$29,058/mo (50% DSR)
Upfront cash ≈ HK$333K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,209
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,617
−HK$414/mo
Today · 4.125%
HK$16,031
baseline
▲ 0.50% · 4.625%
HK$16,876
+HK$845/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$32,062/mo (50% DSR)
Upfront cash ≈ HK$333K (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).