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$8,809
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,083
−HK$278/mo
Today · 4.125%
HK$9,361
baseline
▲ 0.50% · 4.625%
HK$9,931
+HK$570/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,722/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,800
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,063
−HK$266/mo
Today · 4.125%
HK$10,329
baseline
▲ 0.50% · 4.625%
HK$10,874
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,658/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,571
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,900
−HK$334/mo
Today · 4.125%
HK$11,234
baseline
▲ 0.50% · 4.625%
HK$11,917
+HK$683/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,468/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,760
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,075
−HK$320/mo
Today · 4.125%
HK$12,395
baseline
▲ 0.50% · 4.625%
HK$13,049
+HK$654/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,790/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,333
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,716
−HK$390/mo
Today · 4.125%
HK$13,106
baseline
▲ 0.50% · 4.625%
HK$13,903
+HK$797/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,212/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,720
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,088
−HK$373/mo
Today · 4.125%
HK$14,461
baseline
▲ 0.50% · 4.625%
HK$15,223
+HK$762/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,922/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,856
−HK$994/mo
▼ 0.25% · 3.875%
HK$16,349
−HK$501/mo
Today · 4.125%
HK$16,850
baseline
▲ 0.50% · 4.625%
HK$17,876
+HK$1,026/mo
Deposit HK$386K · loan HK$3.48M · min. income ≈ HK$33,700/mo (50% DSR)
Upfront cash ≈ HK$386K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,640
−HK$953/mo
▼ 0.25% · 3.875%
HK$18,113
−HK$480/mo
Today · 4.125%
HK$18,593
baseline
▲ 0.50% · 4.625%
HK$19,573
+HK$980/mo
Deposit HK$386K · loan HK$3.48M · min. income ≈ HK$37,186/mo (50% DSR)
Upfront cash ≈ HK$386K (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).