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$8,428
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,690
−HK$266/mo
Today · 4.125%
HK$8,956
baseline
▲ 0.50% · 4.625%
HK$9,501
+HK$545/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,912/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,376
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,627
−HK$256/mo
Today · 4.125%
HK$9,883
baseline
▲ 0.50% · 4.625%
HK$10,403
+HK$520/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,766/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,114
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,428
−HK$320/mo
Today · 4.125%
HK$10,748
baseline
▲ 0.50% · 4.625%
HK$11,402
+HK$654/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,496/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,251
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,553
−HK$306/mo
Today · 4.125%
HK$11,859
baseline
▲ 0.50% · 4.625%
HK$12,484
+HK$625/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,718/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,799
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,166
−HK$373/mo
Today · 4.125%
HK$12,539
baseline
▲ 0.50% · 4.625%
HK$13,302
+HK$763/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,078/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,126
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,478
−HK$358/mo
Today · 4.125%
HK$13,836
baseline
▲ 0.50% · 4.625%
HK$14,565
+HK$729/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,672/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,170
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,642
−HK$480/mo
Today · 4.125%
HK$16,122
baseline
▲ 0.50% · 4.625%
HK$17,103
+HK$981/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,244/mo (50% DSR)
Upfront cash ≈ HK$370K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,877
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,329
−HK$460/mo
Today · 4.125%
HK$17,789
baseline
▲ 0.50% · 4.625%
HK$18,726
+HK$937/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,578/mo (50% DSR)
Upfront cash ≈ HK$370K (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).