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$7,444
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,675
−HK$236/mo
Today · 4.125%
HK$7,911
baseline
▲ 0.50% · 4.625%
HK$8,392
+HK$481/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,822/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,281
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,503
−HK$226/mo
Today · 4.125%
HK$8,729
baseline
▲ 0.50% · 4.625%
HK$9,189
+HK$460/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,458/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,933
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,211
−HK$282/mo
Today · 4.125%
HK$9,493
baseline
▲ 0.50% · 4.625%
HK$10,070
+HK$577/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$18,986/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,938
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,204
−HK$270/mo
Today · 4.125%
HK$10,474
baseline
▲ 0.50% · 4.625%
HK$11,027
+HK$553/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,948/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,421
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,746
−HK$329/mo
Today · 4.125%
HK$11,075
baseline
▲ 0.50% · 4.625%
HK$11,749
+HK$674/mo
Deposit HK$979K · loan HK$2.29M · min. income ≈ HK$22,150/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,594
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,905
−HK$315/mo
Today · 4.125%
HK$12,220
baseline
▲ 0.50% · 4.625%
HK$12,864
+HK$644/mo
Deposit HK$979K · loan HK$2.29M · min. income ≈ HK$24,440/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,399
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,816
−HK$423/mo
Today · 4.125%
HK$14,239
baseline
▲ 0.50% · 4.625%
HK$15,106
+HK$867/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$28,478/mo (50% DSR)
Upfront cash ≈ HK$327K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,906
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,306
−HK$406/mo
Today · 4.125%
HK$15,712
baseline
▲ 0.50% · 4.625%
HK$16,540
+HK$828/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$31,424/mo (50% DSR)
Upfront cash ≈ HK$327K (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).