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$8,776
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,049
−HK$277/mo
Today · 4.125%
HK$9,326
baseline
▲ 0.50% · 4.625%
HK$9,894
+HK$568/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,652/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,763
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,025
−HK$266/mo
Today · 4.125%
HK$10,291
baseline
▲ 0.50% · 4.625%
HK$10,833
+HK$542/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,582/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,531
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,859
−HK$332/mo
Today · 4.125%
HK$11,191
baseline
▲ 0.50% · 4.625%
HK$11,872
+HK$681/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,382/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,716
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,030
−HK$319/mo
Today · 4.125%
HK$12,349
baseline
▲ 0.50% · 4.625%
HK$13,000
+HK$651/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,698/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,286
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,668
−HK$389/mo
Today · 4.125%
HK$13,057
baseline
▲ 0.50% · 4.625%
HK$13,851
+HK$794/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,114/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,668
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,035
−HK$372/mo
Today · 4.125%
HK$14,407
baseline
▲ 0.50% · 4.625%
HK$15,166
+HK$759/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,814/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,797
−HK$990/mo
▼ 0.25% · 3.875%
HK$16,288
−HK$499/mo
Today · 4.125%
HK$16,787
baseline
▲ 0.50% · 4.625%
HK$17,809
+HK$1,022/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$33,574/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,574
−HK$949/mo
▼ 0.25% · 3.875%
HK$18,045
−HK$478/mo
Today · 4.125%
HK$18,523
baseline
▲ 0.50% · 4.625%
HK$19,499
+HK$976/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$37,046/mo (50% DSR)
Upfront cash ≈ HK$385K (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).