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$8,499
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,763
−HK$269/mo
Today · 4.125%
HK$9,032
baseline
▲ 0.50% · 4.625%
HK$9,582
+HK$550/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,064/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,455
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,709
−HK$257/mo
Today · 4.125%
HK$9,966
baseline
▲ 0.50% · 4.625%
HK$10,491
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,932/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,199
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,516
−HK$322/mo
Today · 4.125%
HK$10,838
baseline
▲ 0.50% · 4.625%
HK$11,498
+HK$660/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,676/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,346
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,650
−HK$309/mo
Today · 4.125%
HK$11,959
baseline
▲ 0.50% · 4.625%
HK$12,590
+HK$631/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,918/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,899
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,269
−HK$376/mo
Today · 4.125%
HK$12,645
baseline
▲ 0.50% · 4.625%
HK$13,414
+HK$769/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,290/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,237
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,592
−HK$360/mo
Today · 4.125%
HK$13,952
baseline
▲ 0.50% · 4.625%
HK$14,688
+HK$736/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,904/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,298
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,774
−HK$484/mo
Today · 4.125%
HK$16,258
baseline
▲ 0.50% · 4.625%
HK$17,247
+HK$989/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$32,516/mo (50% DSR)
Upfront cash ≈ HK$373K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,019
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,476
−HK$463/mo
Today · 4.125%
HK$17,939
baseline
▲ 0.50% · 4.625%
HK$18,884
+HK$945/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$35,878/mo (50% DSR)
Upfront cash ≈ HK$373K (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).