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$8,923
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,201
−HK$282/mo
Today · 4.125%
HK$9,483
baseline
▲ 0.50% · 4.625%
HK$10,060
+HK$577/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$18,966/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,927
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,193
−HK$270/mo
Today · 4.125%
HK$10,463
baseline
▲ 0.50% · 4.625%
HK$11,015
+HK$552/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,926/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,708
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,041
−HK$338/mo
Today · 4.125%
HK$11,379
baseline
▲ 0.50% · 4.625%
HK$12,071
+HK$692/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$22,758/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,912
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,232
−HK$324/mo
Today · 4.125%
HK$12,556
baseline
▲ 0.50% · 4.625%
HK$13,218
+HK$662/mo
Deposit HK$1.57M · loan HK$2.35M · min. income ≈ HK$25,112/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,492
−HK$784/mo
▼ 0.25% · 3.875%
HK$12,881
−HK$395/mo
Today · 4.125%
HK$13,276
baseline
▲ 0.50% · 4.625%
HK$14,083
+HK$807/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$26,552/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,897
−HK$751/mo
▼ 0.25% · 3.875%
HK$14,270
−HK$378/mo
Today · 4.125%
HK$14,648
baseline
▲ 0.50% · 4.625%
HK$15,420
+HK$772/mo
Deposit HK$1.17M · loan HK$2.74M · min. income ≈ HK$29,296/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,061
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$16,561
−HK$508/mo
Today · 4.125%
HK$17,069
baseline
▲ 0.50% · 4.625%
HK$18,107
+HK$1,038/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$34,138/mo (50% DSR)
Upfront cash ≈ HK$391K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,868
−HK$966/mo
▼ 0.25% · 3.875%
HK$18,347
−HK$487/mo
Today · 4.125%
HK$18,834
baseline
▲ 0.50% · 4.625%
HK$19,826
+HK$992/mo
Deposit HK$391K · loan HK$3.52M · min. income ≈ HK$37,668/mo (50% DSR)
Upfront cash ≈ HK$391K (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).