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$8,213
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,469
−HK$259/mo
Today · 4.125%
HK$8,728
baseline
▲ 0.50% · 4.625%
HK$9,259
+HK$531/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,456/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$9,137
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,382
−HK$249/mo
Today · 4.125%
HK$9,631
baseline
▲ 0.50% · 4.625%
HK$10,139
+HK$508/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,262/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$9,856
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,163
−HK$311/mo
Today · 4.125%
HK$10,474
baseline
▲ 0.50% · 4.625%
HK$11,111
+HK$637/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,948/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$10,965
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,259
−HK$298/mo
Today · 4.125%
HK$11,557
baseline
▲ 0.50% · 4.625%
HK$12,166
+HK$609/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,114/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$11,499
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,856
−HK$364/mo
Today · 4.125%
HK$12,220
baseline
▲ 0.50% · 4.625%
HK$12,963
+HK$743/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,440/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$12,792
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,135
−HK$348/mo
Today · 4.125%
HK$13,483
baseline
▲ 0.50% · 4.625%
HK$14,194
+HK$711/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,966/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$14,784
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,244
−HK$467/mo
Today · 4.125%
HK$15,711
baseline
▲ 0.50% · 4.625%
HK$16,667
+HK$956/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,422/mo (50% DSR)
Upfront cash ≈ HK$360K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,447
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,888
−HK$448/mo
Today · 4.125%
HK$17,336
baseline
▲ 0.50% · 4.625%
HK$18,249
+HK$913/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,672/mo (50% DSR)
Upfront cash ≈ HK$360K (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).