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$8,227
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,483
−HK$260/mo
Today · 4.125%
HK$8,743
baseline
▲ 0.50% · 4.625%
HK$9,275
+HK$532/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,486/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$9,153
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,398
−HK$249/mo
Today · 4.125%
HK$9,647
baseline
▲ 0.50% · 4.625%
HK$10,156
+HK$509/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,294/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$9,873
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,180
−HK$312/mo
Today · 4.125%
HK$10,492
baseline
▲ 0.50% · 4.625%
HK$11,130
+HK$638/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,984/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$10,983
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,278
−HK$299/mo
Today · 4.125%
HK$11,577
baseline
▲ 0.50% · 4.625%
HK$12,187
+HK$610/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,154/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$11,518
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,877
−HK$364/mo
Today · 4.125%
HK$12,241
baseline
▲ 0.50% · 4.625%
HK$12,985
+HK$744/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,482/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$12,814
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,158
−HK$348/mo
Today · 4.125%
HK$13,506
baseline
▲ 0.50% · 4.625%
HK$14,218
+HK$712/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,012/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$14,809
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,270
−HK$468/mo
Today · 4.125%
HK$15,738
baseline
▲ 0.50% · 4.625%
HK$16,696
+HK$958/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,476/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$16,475
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,917
−HK$448/mo
Today · 4.125%
HK$17,365
baseline
▲ 0.50% · 4.625%
HK$18,281
+HK$916/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,730/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).