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$7,863
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,108
−HK$248/mo
Today · 4.125%
HK$8,356
baseline
▲ 0.50% · 4.625%
HK$8,865
+HK$509/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,712/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,748
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,982
−HK$238/mo
Today · 4.125%
HK$9,220
baseline
▲ 0.50% · 4.625%
HK$9,706
+HK$486/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,440/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,436
−HK$592/mo
▼ 0.25% · 3.875%
HK$9,729
−HK$299/mo
Today · 4.125%
HK$10,028
baseline
▲ 0.50% · 4.625%
HK$10,638
+HK$610/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,056/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,497
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,779
−HK$285/mo
Today · 4.125%
HK$11,064
baseline
▲ 0.50% · 4.625%
HK$11,648
+HK$584/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,128/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,008
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,351
−HK$348/mo
Today · 4.125%
HK$11,699
baseline
▲ 0.50% · 4.625%
HK$12,411
+HK$712/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,398/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,247
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,575
−HK$333/mo
Today · 4.125%
HK$12,908
baseline
▲ 0.50% · 4.625%
HK$13,589
+HK$681/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,816/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,154
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,594
−HK$447/mo
Today · 4.125%
HK$15,041
baseline
▲ 0.50% · 4.625%
HK$15,957
+HK$916/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$30,082/mo (50% DSR)
Upfront cash ≈ HK$345K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,746
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,168
−HK$429/mo
Today · 4.125%
HK$16,597
baseline
▲ 0.50% · 4.625%
HK$17,471
+HK$874/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$33,194/mo (50% DSR)
Upfront cash ≈ HK$345K (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).