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$6,655
−HK$418/mo
▼ 0.25% · 3.875%
HK$6,862
−HK$211/mo
Today · 4.125%
HK$7,073
baseline
▲ 0.50% · 4.625%
HK$7,503
+HK$430/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$14,146/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,404
−HK$400/mo
▼ 0.25% · 3.875%
HK$7,602
−HK$202/mo
Today · 4.125%
HK$7,804
baseline
▲ 0.50% · 4.625%
HK$8,215
+HK$411/mo
Deposit HK$1.46M · loan HK$1.46M · min. income ≈ HK$15,608/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,986
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,235
−HK$252/mo
Today · 4.125%
HK$8,487
baseline
▲ 0.50% · 4.625%
HK$9,003
+HK$516/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$16,974/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,885
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,123
−HK$242/mo
Today · 4.125%
HK$9,365
baseline
▲ 0.50% · 4.625%
HK$9,858
+HK$493/mo
Deposit HK$1.17M · loan HK$1.75M · min. income ≈ HK$18,730/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,317
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,607
−HK$295/mo
Today · 4.125%
HK$9,902
baseline
▲ 0.50% · 4.625%
HK$10,504
+HK$602/mo
Deposit HK$876K · loan HK$2.04M · min. income ≈ HK$19,804/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,365
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,643
−HK$282/mo
Today · 4.125%
HK$10,925
baseline
▲ 0.50% · 4.625%
HK$11,501
+HK$576/mo
Deposit HK$876K · loan HK$2.04M · min. income ≈ HK$21,850/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,979
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,352
−HK$379/mo
Today · 4.125%
HK$12,731
baseline
▲ 0.50% · 4.625%
HK$13,505
+HK$774/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$25,462/mo (50% DSR)
Upfront cash ≈ HK$292K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,327
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,684
−HK$363/mo
Today · 4.125%
HK$14,047
baseline
▲ 0.50% · 4.625%
HK$14,787
+HK$740/mo
Deposit HK$292K · loan HK$2.63M · min. income ≈ HK$28,094/mo (50% DSR)
Upfront cash ≈ HK$292K (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).