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$7,598
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,834
−HK$240/mo
Today · 4.125%
HK$8,074
baseline
▲ 0.50% · 4.625%
HK$8,566
+HK$492/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,148/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,453
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,679
−HK$230/mo
Today · 4.125%
HK$8,909
baseline
▲ 0.50% · 4.625%
HK$9,379
+HK$470/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,818/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,118
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,401
−HK$288/mo
Today · 4.125%
HK$9,689
baseline
▲ 0.50% · 4.625%
HK$10,279
+HK$590/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,378/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,143
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,415
−HK$276/mo
Today · 4.125%
HK$10,691
baseline
▲ 0.50% · 4.625%
HK$11,255
+HK$564/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,382/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,637
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,968
−HK$336/mo
Today · 4.125%
HK$11,304
baseline
▲ 0.50% · 4.625%
HK$11,992
+HK$688/mo
Deposit HK$1000K · loan HK$2.33M · min. income ≈ HK$22,608/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,834
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,151
−HK$322/mo
Today · 4.125%
HK$12,473
baseline
▲ 0.50% · 4.625%
HK$13,131
+HK$658/mo
Deposit HK$1000K · loan HK$2.33M · min. income ≈ HK$24,946/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,676
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,102
−HK$432/mo
Today · 4.125%
HK$14,534
baseline
▲ 0.50% · 4.625%
HK$15,418
+HK$884/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$29,068/mo (50% DSR)
Upfront cash ≈ HK$333K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,215
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,623
−HK$414/mo
Today · 4.125%
HK$16,037
baseline
▲ 0.50% · 4.625%
HK$16,882
+HK$845/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$32,074/mo (50% DSR)
Upfront cash ≈ HK$333K (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).