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$6,782
−HK$425/mo
▼ 0.25% · 3.875%
HK$6,993
−HK$214/mo
Today · 4.125%
HK$7,207
baseline
▲ 0.50% · 4.625%
HK$7,645
+HK$438/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$14,414/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,545
−HK$407/mo
▼ 0.25% · 3.875%
HK$7,747
−HK$205/mo
Today · 4.125%
HK$7,952
baseline
▲ 0.50% · 4.625%
HK$8,371
+HK$419/mo
Deposit HK$1.49M · loan HK$1.49M · min. income ≈ HK$15,904/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,138
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,391
−HK$257/mo
Today · 4.125%
HK$8,648
baseline
▲ 0.50% · 4.625%
HK$9,175
+HK$527/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$17,296/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,053
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,296
−HK$247/mo
Today · 4.125%
HK$9,543
baseline
▲ 0.50% · 4.625%
HK$10,046
+HK$503/mo
Deposit HK$1.19M · loan HK$1.78M · min. income ≈ HK$19,086/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,494
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,790
−HK$300/mo
Today · 4.125%
HK$10,090
baseline
▲ 0.50% · 4.625%
HK$10,704
+HK$614/mo
Deposit HK$892K · loan HK$2.08M · min. income ≈ HK$20,180/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,562
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,846
−HK$287/mo
Today · 4.125%
HK$11,133
baseline
▲ 0.50% · 4.625%
HK$11,720
+HK$587/mo
Deposit HK$892K · loan HK$2.08M · min. income ≈ HK$22,266/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,207
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,587
−HK$386/mo
Today · 4.125%
HK$12,973
baseline
▲ 0.50% · 4.625%
HK$13,762
+HK$789/mo
Deposit HK$297K · loan HK$2.68M · min. income ≈ HK$25,946/mo (50% DSR)
Upfront cash ≈ HK$298K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,580
−HK$734/mo
▼ 0.25% · 3.875%
HK$13,944
−HK$370/mo
Today · 4.125%
HK$14,314
baseline
▲ 0.50% · 4.625%
HK$15,068
+HK$754/mo
Deposit HK$297K · loan HK$2.68M · min. income ≈ HK$28,628/mo (50% DSR)
Upfront cash ≈ HK$298K (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).