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$7,180
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,403
−HK$227/mo
Today · 4.125%
HK$7,630
baseline
▲ 0.50% · 4.625%
HK$8,094
+HK$464/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,260/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,987
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,201
−HK$218/mo
Today · 4.125%
HK$8,419
baseline
▲ 0.50% · 4.625%
HK$8,863
+HK$444/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,838/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,616
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,884
−HK$272/mo
Today · 4.125%
HK$9,156
baseline
▲ 0.50% · 4.625%
HK$9,713
+HK$557/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,312/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,585
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,842
−HK$261/mo
Today · 4.125%
HK$10,103
baseline
▲ 0.50% · 4.625%
HK$10,635
+HK$532/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,206/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,051
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,364
−HK$318/mo
Today · 4.125%
HK$10,682
baseline
▲ 0.50% · 4.625%
HK$11,332
+HK$650/mo
Deposit HK$945K · loan HK$2.20M · min. income ≈ HK$21,364/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,182
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,482
−HK$304/mo
Today · 4.125%
HK$11,786
baseline
▲ 0.50% · 4.625%
HK$12,408
+HK$622/mo
Deposit HK$945K · loan HK$2.20M · min. income ≈ HK$23,572/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,923
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,325
−HK$409/mo
Today · 4.125%
HK$13,734
baseline
▲ 0.50% · 4.625%
HK$14,569
+HK$835/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$27,468/mo (50% DSR)
Upfront cash ≈ HK$315K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,377
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,763
−HK$391/mo
Today · 4.125%
HK$15,154
baseline
▲ 0.50% · 4.625%
HK$15,953
+HK$799/mo
Deposit HK$315K · loan HK$2.83M · min. income ≈ HK$30,308/mo (50% DSR)
Upfront cash ≈ HK$315K (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).