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$8,228
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,484
−HK$260/mo
Today · 4.125%
HK$8,744
baseline
▲ 0.50% · 4.625%
HK$9,276
+HK$532/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,488/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$9,154
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,399
−HK$249/mo
Today · 4.125%
HK$9,648
baseline
▲ 0.50% · 4.625%
HK$10,157
+HK$509/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,296/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$9,874
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,181
−HK$312/mo
Today · 4.125%
HK$10,493
baseline
▲ 0.50% · 4.625%
HK$11,131
+HK$638/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$20,986/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$10,984
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,279
−HK$299/mo
Today · 4.125%
HK$11,578
baseline
▲ 0.50% · 4.625%
HK$12,188
+HK$610/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$23,156/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$11,519
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,878
−HK$364/mo
Today · 4.125%
HK$12,242
baseline
▲ 0.50% · 4.625%
HK$12,987
+HK$745/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,484/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$12,815
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,159
−HK$348/mo
Today · 4.125%
HK$13,507
baseline
▲ 0.50% · 4.625%
HK$14,219
+HK$712/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,014/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$14,811
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,271
−HK$468/mo
Today · 4.125%
HK$15,739
baseline
▲ 0.50% · 4.625%
HK$16,697
+HK$958/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,478/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$16,477
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,918
−HK$449/mo
Today · 4.125%
HK$17,367
baseline
▲ 0.50% · 4.625%
HK$18,282
+HK$915/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,734/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).