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$8,245
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,502
−HK$260/mo
Today · 4.125%
HK$8,762
baseline
▲ 0.50% · 4.625%
HK$9,295
+HK$533/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,524/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,173
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,419
−HK$249/mo
Today · 4.125%
HK$9,668
baseline
▲ 0.50% · 4.625%
HK$10,178
+HK$510/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,336/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,894
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,202
−HK$313/mo
Today · 4.125%
HK$10,515
baseline
▲ 0.50% · 4.625%
HK$11,155
+HK$640/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,030/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,007
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,303
−HK$299/mo
Today · 4.125%
HK$11,602
baseline
▲ 0.50% · 4.625%
HK$12,214
+HK$612/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,204/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,543
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,902
−HK$365/mo
Today · 4.125%
HK$12,267
baseline
▲ 0.50% · 4.625%
HK$13,014
+HK$747/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,534/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,842
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,186
−HK$350/mo
Today · 4.125%
HK$13,536
baseline
▲ 0.50% · 4.625%
HK$14,249
+HK$713/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,072/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,841
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,303
−HK$469/mo
Today · 4.125%
HK$15,772
baseline
▲ 0.50% · 4.625%
HK$16,732
+HK$960/mo
Deposit HK$362K · loan HK$3.25M · min. income ≈ HK$31,544/mo (50% DSR)
Upfront cash ≈ HK$362K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,511
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,954
−HK$449/mo
Today · 4.125%
HK$17,403
baseline
▲ 0.50% · 4.625%
HK$18,320
+HK$917/mo
Deposit HK$362K · loan HK$3.25M · min. income ≈ HK$34,806/mo (50% DSR)
Upfront cash ≈ HK$362K (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).