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$8,225
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,481
−HK$260/mo
Today · 4.125%
HK$8,741
baseline
▲ 0.50% · 4.625%
HK$9,273
+HK$532/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,482/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,150
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,396
−HK$249/mo
Today · 4.125%
HK$9,645
baseline
▲ 0.50% · 4.625%
HK$10,153
+HK$508/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,290/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,870
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,177
−HK$312/mo
Today · 4.125%
HK$10,489
baseline
▲ 0.50% · 4.625%
HK$11,127
+HK$638/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,978/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,980
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,275
−HK$299/mo
Today · 4.125%
HK$11,574
baseline
▲ 0.50% · 4.625%
HK$12,184
+HK$610/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,148/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,515
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,873
−HK$364/mo
Today · 4.125%
HK$12,237
baseline
▲ 0.50% · 4.625%
HK$12,982
+HK$745/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,474/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$12,811
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,154
−HK$349/mo
Today · 4.125%
HK$13,503
baseline
▲ 0.50% · 4.625%
HK$14,214
+HK$711/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$27,006/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$14,805
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,266
−HK$468/mo
Today · 4.125%
HK$15,734
baseline
▲ 0.50% · 4.625%
HK$16,691
+HK$957/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,468/mo (50% DSR)
Upfront cash ≈ HK$361K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,471
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,912
−HK$449/mo
Today · 4.125%
HK$17,361
baseline
▲ 0.50% · 4.625%
HK$18,276
+HK$915/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,722/mo (50% DSR)
Upfront cash ≈ HK$361K (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).