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$7,886
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,132
−HK$249/mo
Today · 4.125%
HK$8,381
baseline
▲ 0.50% · 4.625%
HK$8,891
+HK$510/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,762/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,773
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,009
−HK$238/mo
Today · 4.125%
HK$9,247
baseline
▲ 0.50% · 4.625%
HK$9,735
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,494/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,463
−HK$594/mo
▼ 0.25% · 3.875%
HK$9,758
−HK$299/mo
Today · 4.125%
HK$10,057
baseline
▲ 0.50% · 4.625%
HK$10,669
+HK$612/mo
Deposit HK$1.38M · loan HK$2.08M · min. income ≈ HK$20,114/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,528
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,810
−HK$287/mo
Today · 4.125%
HK$11,097
baseline
▲ 0.50% · 4.625%
HK$11,682
+HK$585/mo
Deposit HK$1.38M · loan HK$2.08M · min. income ≈ HK$22,194/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,041
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,384
−HK$349/mo
Today · 4.125%
HK$11,733
baseline
▲ 0.50% · 4.625%
HK$12,447
+HK$714/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,466/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,283
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,612
−HK$334/mo
Today · 4.125%
HK$12,946
baseline
▲ 0.50% · 4.625%
HK$13,629
+HK$683/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,892/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,195
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,637
−HK$448/mo
Today · 4.125%
HK$15,085
baseline
▲ 0.50% · 4.625%
HK$16,003
+HK$918/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$30,170/mo (50% DSR)
Upfront cash ≈ HK$346K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,792
−HK$853/mo
▼ 0.25% · 3.875%
HK$16,216
−HK$429/mo
Today · 4.125%
HK$16,645
baseline
▲ 0.50% · 4.625%
HK$17,523
+HK$878/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$33,290/mo (50% DSR)
Upfront cash ≈ HK$346K (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).