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$8,836
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,111
−HK$279/mo
Today · 4.125%
HK$9,390
baseline
▲ 0.50% · 4.625%
HK$9,962
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,780/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,830
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,094
−HK$267/mo
Today · 4.125%
HK$10,361
baseline
▲ 0.50% · 4.625%
HK$10,907
+HK$546/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,722/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,603
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,933
−HK$335/mo
Today · 4.125%
HK$11,268
baseline
▲ 0.50% · 4.625%
HK$11,954
+HK$686/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,536/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,796
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,112
−HK$321/mo
Today · 4.125%
HK$12,433
baseline
▲ 0.50% · 4.625%
HK$13,089
+HK$656/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,866/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,371
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,755
−HK$391/mo
Today · 4.125%
HK$13,146
baseline
▲ 0.50% · 4.625%
HK$13,946
+HK$800/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,292/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,762
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,131
−HK$375/mo
Today · 4.125%
HK$14,506
baseline
▲ 0.50% · 4.625%
HK$15,270
+HK$764/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$29,012/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,905
−HK$997/mo
▼ 0.25% · 3.875%
HK$16,400
−HK$502/mo
Today · 4.125%
HK$16,902
baseline
▲ 0.50% · 4.625%
HK$17,931
+HK$1,029/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,804/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,694
−HK$956/mo
▼ 0.25% · 3.875%
HK$18,169
−HK$481/mo
Today · 4.125%
HK$18,650
baseline
▲ 0.50% · 4.625%
HK$19,633
+HK$983/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,300/mo (50% DSR)
Upfront cash ≈ HK$388K (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).