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$7,839
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,083
−HK$248/mo
Today · 4.125%
HK$8,331
baseline
▲ 0.50% · 4.625%
HK$8,837
+HK$506/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,662/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,721
−HK$471/mo
▼ 0.25% · 3.875%
HK$8,955
−HK$237/mo
Today · 4.125%
HK$9,192
baseline
▲ 0.50% · 4.625%
HK$9,676
+HK$484/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,384/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,407
−HK$590/mo
▼ 0.25% · 3.875%
HK$9,699
−HK$298/mo
Today · 4.125%
HK$9,997
baseline
▲ 0.50% · 4.625%
HK$10,605
+HK$608/mo
Deposit HK$1.38M · loan HK$2.06M · min. income ≈ HK$19,994/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,465
−HK$565/mo
▼ 0.25% · 3.875%
HK$10,746
−HK$284/mo
Today · 4.125%
HK$11,030
baseline
▲ 0.50% · 4.625%
HK$11,612
+HK$582/mo
Deposit HK$1.38M · loan HK$2.06M · min. income ≈ HK$22,060/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,975
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,316
−HK$347/mo
Today · 4.125%
HK$11,663
baseline
▲ 0.50% · 4.625%
HK$12,372
+HK$709/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,326/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,209
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,537
−HK$332/mo
Today · 4.125%
HK$12,869
baseline
▲ 0.50% · 4.625%
HK$13,547
+HK$678/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,738/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,110
−HK$885/mo
▼ 0.25% · 3.875%
HK$14,549
−HK$446/mo
Today · 4.125%
HK$14,995
baseline
▲ 0.50% · 4.625%
HK$15,907
+HK$912/mo
Deposit HK$344K · loan HK$3.09M · min. income ≈ HK$29,990/mo (50% DSR)
Upfront cash ≈ HK$344K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,697
−HK$848/mo
▼ 0.25% · 3.875%
HK$16,118
−HK$427/mo
Today · 4.125%
HK$16,545
baseline
▲ 0.50% · 4.625%
HK$17,418
+HK$873/mo
Deposit HK$344K · loan HK$3.09M · min. income ≈ HK$33,090/mo (50% DSR)
Upfront cash ≈ HK$344K (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).