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$8,091
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,343
−HK$256/mo
Today · 4.125%
HK$8,599
baseline
▲ 0.50% · 4.625%
HK$9,122
+HK$523/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,198/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,002
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,243
−HK$245/mo
Today · 4.125%
HK$9,488
baseline
▲ 0.50% · 4.625%
HK$9,988
+HK$500/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,976/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,710
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,012
−HK$307/mo
Today · 4.125%
HK$10,319
baseline
▲ 0.50% · 4.625%
HK$10,947
+HK$628/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,638/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,802
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,092
−HK$294/mo
Today · 4.125%
HK$11,386
baseline
▲ 0.50% · 4.625%
HK$11,986
+HK$600/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,772/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,328
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,680
−HK$358/mo
Today · 4.125%
HK$12,038
baseline
▲ 0.50% · 4.625%
HK$12,771
+HK$733/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,076/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,602
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,940
−HK$343/mo
Today · 4.125%
HK$13,283
baseline
▲ 0.50% · 4.625%
HK$13,983
+HK$700/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,566/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,565
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,018
−HK$460/mo
Today · 4.125%
HK$15,478
baseline
▲ 0.50% · 4.625%
HK$16,420
+HK$942/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$30,956/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,203
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,638
−HK$440/mo
Today · 4.125%
HK$17,078
baseline
▲ 0.50% · 4.625%
HK$17,979
+HK$901/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$34,156/mo (50% DSR)
Upfront cash ≈ HK$355K (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).