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$8,779
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,052
−HK$278/mo
Today · 4.125%
HK$9,330
baseline
▲ 0.50% · 4.625%
HK$9,898
+HK$568/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,660/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,767
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,029
−HK$266/mo
Today · 4.125%
HK$10,295
baseline
▲ 0.50% · 4.625%
HK$10,837
+HK$542/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,590/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,535
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,863
−HK$333/mo
Today · 4.125%
HK$11,196
baseline
▲ 0.50% · 4.625%
HK$11,877
+HK$681/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,392/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,720
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,035
−HK$318/mo
Today · 4.125%
HK$12,353
baseline
▲ 0.50% · 4.625%
HK$13,005
+HK$652/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,706/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,291
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,673
−HK$389/mo
Today · 4.125%
HK$13,062
baseline
▲ 0.50% · 4.625%
HK$13,857
+HK$795/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,124/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,674
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,040
−HK$372/mo
Today · 4.125%
HK$14,412
baseline
▲ 0.50% · 4.625%
HK$15,172
+HK$760/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,824/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,803
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,294
−HK$500/mo
Today · 4.125%
HK$16,794
baseline
▲ 0.50% · 4.625%
HK$17,816
+HK$1,022/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$33,588/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,580
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,052
−HK$478/mo
Today · 4.125%
HK$18,530
baseline
▲ 0.50% · 4.625%
HK$19,507
+HK$977/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$37,060/mo (50% DSR)
Upfront cash ≈ HK$385K (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).