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$8,423
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,685
−HK$266/mo
Today · 4.125%
HK$8,951
baseline
▲ 0.50% · 4.625%
HK$9,496
+HK$545/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,902/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,371
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,622
−HK$255/mo
Today · 4.125%
HK$9,877
baseline
▲ 0.50% · 4.625%
HK$10,398
+HK$521/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,754/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,108
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,422
−HK$320/mo
Today · 4.125%
HK$10,742
baseline
▲ 0.50% · 4.625%
HK$11,395
+HK$653/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,484/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,245
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,546
−HK$306/mo
Today · 4.125%
HK$11,852
baseline
▲ 0.50% · 4.625%
HK$12,477
+HK$625/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,704/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,792
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,159
−HK$373/mo
Today · 4.125%
HK$12,532
baseline
▲ 0.50% · 4.625%
HK$13,294
+HK$762/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,064/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,119
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,471
−HK$357/mo
Today · 4.125%
HK$13,828
baseline
▲ 0.50% · 4.625%
HK$14,557
+HK$729/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,656/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,162
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,633
−HK$479/mo
Today · 4.125%
HK$16,112
baseline
▲ 0.50% · 4.625%
HK$17,093
+HK$981/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,224/mo (50% DSR)
Upfront cash ≈ HK$369K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,867
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,319
−HK$459/mo
Today · 4.125%
HK$17,778
baseline
▲ 0.50% · 4.625%
HK$18,716
+HK$938/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,556/mo (50% DSR)
Upfront cash ≈ HK$369K (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).