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$8,819
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,093
−HK$279/mo
Today · 4.125%
HK$9,372
baseline
▲ 0.50% · 4.625%
HK$9,942
+HK$570/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,744/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$9,811
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,074
−HK$267/mo
Today · 4.125%
HK$10,341
baseline
▲ 0.50% · 4.625%
HK$10,886
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,682/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$10,583
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,912
−HK$334/mo
Today · 4.125%
HK$11,246
baseline
▲ 0.50% · 4.625%
HK$11,930
+HK$684/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,492/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,773
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,089
−HK$320/mo
Today · 4.125%
HK$12,409
baseline
▲ 0.50% · 4.625%
HK$13,063
+HK$654/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,818/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,346
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,730
−HK$391/mo
Today · 4.125%
HK$13,121
baseline
▲ 0.50% · 4.625%
HK$13,919
+HK$798/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,242/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$13,735
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,104
−HK$373/mo
Today · 4.125%
HK$14,477
baseline
▲ 0.50% · 4.625%
HK$15,240
+HK$763/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,954/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$15,874
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,368
−HK$501/mo
Today · 4.125%
HK$16,869
baseline
▲ 0.50% · 4.625%
HK$17,896
+HK$1,027/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,738/mo (50% DSR)
Upfront cash ≈ HK$387K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,659
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,133
−HK$481/mo
Today · 4.125%
HK$18,614
baseline
▲ 0.50% · 4.625%
HK$19,595
+HK$981/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,228/mo (50% DSR)
Upfront cash ≈ HK$387K (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).