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$7,916
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,162
−HK$250/mo
Today · 4.125%
HK$8,412
baseline
▲ 0.50% · 4.625%
HK$8,924
+HK$512/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,824/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,807
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,043
−HK$239/mo
Today · 4.125%
HK$9,282
baseline
▲ 0.50% · 4.625%
HK$9,772
+HK$490/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,564/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,499
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,795
−HK$300/mo
Today · 4.125%
HK$10,095
baseline
▲ 0.50% · 4.625%
HK$10,709
+HK$614/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,190/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,568
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,851
−HK$288/mo
Today · 4.125%
HK$11,139
baseline
▲ 0.50% · 4.625%
HK$11,726
+HK$587/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,278/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,082
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,427
−HK$350/mo
Today · 4.125%
HK$11,777
baseline
▲ 0.50% · 4.625%
HK$12,494
+HK$717/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,554/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,329
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,660
−HK$335/mo
Today · 4.125%
HK$12,995
baseline
▲ 0.50% · 4.625%
HK$13,680
+HK$685/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,990/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,249
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,692
−HK$450/mo
Today · 4.125%
HK$15,142
baseline
▲ 0.50% · 4.625%
HK$16,064
+HK$922/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,284/mo (50% DSR)
Upfront cash ≈ HK$347K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,852
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,277
−HK$431/mo
Today · 4.125%
HK$16,708
baseline
▲ 0.50% · 4.625%
HK$17,589
+HK$881/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,416/mo (50% DSR)
Upfront cash ≈ HK$347K (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).