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$7,947
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,194
−HK$251/mo
Today · 4.125%
HK$8,445
baseline
▲ 0.50% · 4.625%
HK$8,959
+HK$514/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,890/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$8,841
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,078
−HK$240/mo
Today · 4.125%
HK$9,318
baseline
▲ 0.50% · 4.625%
HK$9,810
+HK$492/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,636/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$9,536
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,833
−HK$301/mo
Today · 4.125%
HK$10,134
baseline
▲ 0.50% · 4.625%
HK$10,751
+HK$617/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,268/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$10,609
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,893
−HK$289/mo
Today · 4.125%
HK$11,182
baseline
▲ 0.50% · 4.625%
HK$11,772
+HK$590/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,364/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$11,126
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,472
−HK$351/mo
Today · 4.125%
HK$11,823
baseline
▲ 0.50% · 4.625%
HK$12,543
+HK$720/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,646/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,377
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,709
−HK$337/mo
Today · 4.125%
HK$13,046
baseline
▲ 0.50% · 4.625%
HK$13,733
+HK$687/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$26,092/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,304
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,749
−HK$452/mo
Today · 4.125%
HK$15,201
baseline
▲ 0.50% · 4.625%
HK$16,126
+HK$925/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,402/mo (50% DSR)
Upfront cash ≈ HK$349K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,913
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,340
−HK$433/mo
Today · 4.125%
HK$16,773
baseline
▲ 0.50% · 4.625%
HK$17,657
+HK$884/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,546/mo (50% DSR)
Upfront cash ≈ HK$349K (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).