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$7,694
−HK$482/mo
▼ 0.25% · 3.875%
HK$7,933
−HK$243/mo
Today · 4.125%
HK$8,176
baseline
▲ 0.50% · 4.625%
HK$8,674
+HK$498/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,352/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,559
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,789
−HK$233/mo
Today · 4.125%
HK$9,022
baseline
▲ 0.50% · 4.625%
HK$9,497
+HK$475/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,044/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,232
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,520
−HK$291/mo
Today · 4.125%
HK$9,811
baseline
▲ 0.50% · 4.625%
HK$10,408
+HK$597/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,622/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,271
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,546
−HK$280/mo
Today · 4.125%
HK$10,826
baseline
▲ 0.50% · 4.625%
HK$11,397
+HK$571/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,652/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,771
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,106
−HK$341/mo
Today · 4.125%
HK$11,447
baseline
▲ 0.50% · 4.625%
HK$12,143
+HK$696/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,894/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,983
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,304
−HK$326/mo
Today · 4.125%
HK$12,630
baseline
▲ 0.50% · 4.625%
HK$13,296
+HK$666/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,260/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,849
−HK$868/mo
▼ 0.25% · 3.875%
HK$14,279
−HK$438/mo
Today · 4.125%
HK$14,717
baseline
▲ 0.50% · 4.625%
HK$15,613
+HK$896/mo
Deposit HK$337K · loan HK$3.04M · min. income ≈ HK$29,434/mo (50% DSR)
Upfront cash ≈ HK$338K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,406
−HK$833/mo
▼ 0.25% · 3.875%
HK$15,820
−HK$419/mo
Today · 4.125%
HK$16,239
baseline
▲ 0.50% · 4.625%
HK$17,095
+HK$856/mo
Deposit HK$337K · loan HK$3.04M · min. income ≈ HK$32,478/mo (50% DSR)
Upfront cash ≈ HK$338K (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).