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$8,150
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,404
−HK$258/mo
Today · 4.125%
HK$8,662
baseline
▲ 0.50% · 4.625%
HK$9,189
+HK$527/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,324/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$9,067
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,310
−HK$247/mo
Today · 4.125%
HK$9,557
baseline
▲ 0.50% · 4.625%
HK$10,061
+HK$504/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,114/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$9,781
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,085
−HK$309/mo
Today · 4.125%
HK$10,394
baseline
▲ 0.50% · 4.625%
HK$11,026
+HK$632/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,788/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$10,881
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,173
−HK$296/mo
Today · 4.125%
HK$11,469
baseline
▲ 0.50% · 4.625%
HK$12,073
+HK$604/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,938/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$11,411
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,766
−HK$360/mo
Today · 4.125%
HK$12,126
baseline
▲ 0.50% · 4.625%
HK$12,864
+HK$738/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,252/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$12,694
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,035
−HK$345/mo
Today · 4.125%
HK$13,380
baseline
▲ 0.50% · 4.625%
HK$14,085
+HK$705/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,760/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$14,671
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,127
−HK$464/mo
Today · 4.125%
HK$15,591
baseline
▲ 0.50% · 4.625%
HK$16,539
+HK$948/mo
Deposit HK$357K · loan HK$3.22M · min. income ≈ HK$31,182/mo (50% DSR)
Upfront cash ≈ HK$358K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,321
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,759
−HK$444/mo
Today · 4.125%
HK$17,203
baseline
▲ 0.50% · 4.625%
HK$18,110
+HK$907/mo
Deposit HK$357K · loan HK$3.22M · min. income ≈ HK$34,406/mo (50% DSR)
Upfront cash ≈ HK$358K (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).