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$8,140
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,394
−HK$257/mo
Today · 4.125%
HK$8,651
baseline
▲ 0.50% · 4.625%
HK$9,177
+HK$526/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,302/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,056
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,299
−HK$246/mo
Today · 4.125%
HK$9,545
baseline
▲ 0.50% · 4.625%
HK$10,049
+HK$504/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,090/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,769
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,072
−HK$309/mo
Today · 4.125%
HK$10,381
baseline
▲ 0.50% · 4.625%
HK$11,013
+HK$632/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,762/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,867
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,159
−HK$296/mo
Today · 4.125%
HK$11,455
baseline
▲ 0.50% · 4.625%
HK$12,058
+HK$603/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,910/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,397
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,751
−HK$360/mo
Today · 4.125%
HK$12,111
baseline
▲ 0.50% · 4.625%
HK$12,848
+HK$737/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,222/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,679
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,019
−HK$345/mo
Today · 4.125%
HK$13,364
baseline
▲ 0.50% · 4.625%
HK$14,068
+HK$704/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,728/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,653
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,109
−HK$463/mo
Today · 4.125%
HK$15,572
baseline
▲ 0.50% · 4.625%
HK$16,519
+HK$947/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$31,144/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,301
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,738
−HK$444/mo
Today · 4.125%
HK$17,182
baseline
▲ 0.50% · 4.625%
HK$18,088
+HK$906/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$34,364/mo (50% DSR)
Upfront cash ≈ HK$357K (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).