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$7,211
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,436
−HK$228/mo
Today · 4.125%
HK$7,664
baseline
▲ 0.50% · 4.625%
HK$8,130
+HK$466/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$15,328/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,023
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,238
−HK$218/mo
Today · 4.125%
HK$8,456
baseline
▲ 0.50% · 4.625%
HK$8,902
+HK$446/mo
Deposit HK$1.58M · loan HK$1.58M · min. income ≈ HK$16,912/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,654
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,923
−HK$273/mo
Today · 4.125%
HK$9,196
baseline
▲ 0.50% · 4.625%
HK$9,756
+HK$560/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$18,392/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,627
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,885
−HK$262/mo
Today · 4.125%
HK$10,147
baseline
▲ 0.50% · 4.625%
HK$10,682
+HK$535/mo
Deposit HK$1.27M · loan HK$1.90M · min. income ≈ HK$20,294/mo (50% DSR)
Upfront cash ≈ HK$1.27M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,096
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,410
−HK$319/mo
Today · 4.125%
HK$10,729
baseline
▲ 0.50% · 4.625%
HK$11,382
+HK$653/mo
Deposit HK$949K · loan HK$2.21M · min. income ≈ HK$21,458/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,232
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,533
−HK$306/mo
Today · 4.125%
HK$11,839
baseline
▲ 0.50% · 4.625%
HK$12,463
+HK$624/mo
Deposit HK$949K · loan HK$2.21M · min. income ≈ HK$23,678/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,981
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,384
−HK$411/mo
Today · 4.125%
HK$13,795
baseline
▲ 0.50% · 4.625%
HK$14,634
+HK$839/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$27,590/mo (50% DSR)
Upfront cash ≈ HK$316K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,441
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,828
−HK$393/mo
Today · 4.125%
HK$15,221
baseline
▲ 0.50% · 4.625%
HK$16,023
+HK$802/mo
Deposit HK$316K · loan HK$2.85M · min. income ≈ HK$30,442/mo (50% DSR)
Upfront cash ≈ HK$316K (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).