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$7,589
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,825
−HK$239/mo
Today · 4.125%
HK$8,064
baseline
▲ 0.50% · 4.625%
HK$8,555
+HK$491/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,128/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,442
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,669
−HK$229/mo
Today · 4.125%
HK$8,898
baseline
▲ 0.50% · 4.625%
HK$9,367
+HK$469/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,796/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,106
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,390
−HK$287/mo
Today · 4.125%
HK$9,677
baseline
▲ 0.50% · 4.625%
HK$10,266
+HK$589/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,354/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$10,131
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,402
−HK$276/mo
Today · 4.125%
HK$10,678
baseline
▲ 0.50% · 4.625%
HK$11,241
+HK$563/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,356/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$10,624
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,954
−HK$336/mo
Today · 4.125%
HK$11,290
baseline
▲ 0.50% · 4.625%
HK$11,977
+HK$687/mo
Deposit HK$998K · loan HK$2.33M · min. income ≈ HK$22,580/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,819
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,136
−HK$322/mo
Today · 4.125%
HK$12,458
baseline
▲ 0.50% · 4.625%
HK$13,114
+HK$656/mo
Deposit HK$998K · loan HK$2.33M · min. income ≈ HK$24,916/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,659
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,084
−HK$432/mo
Today · 4.125%
HK$14,516
baseline
▲ 0.50% · 4.625%
HK$15,399
+HK$883/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$29,032/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$15,196
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,604
−HK$413/mo
Today · 4.125%
HK$16,017
baseline
▲ 0.50% · 4.625%
HK$16,861
+HK$844/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$32,034/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).