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$7,776
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,018
−HK$246/mo
Today · 4.125%
HK$8,264
baseline
▲ 0.50% · 4.625%
HK$8,767
+HK$503/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,528/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,651
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,883
−HK$235/mo
Today · 4.125%
HK$9,118
baseline
▲ 0.50% · 4.625%
HK$9,599
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,236/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,331
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,622
−HK$294/mo
Today · 4.125%
HK$9,916
baseline
▲ 0.50% · 4.625%
HK$10,520
+HK$604/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$19,832/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,381
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,659
−HK$283/mo
Today · 4.125%
HK$10,942
baseline
▲ 0.50% · 4.625%
HK$11,519
+HK$577/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$21,884/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,886
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,225
−HK$344/mo
Today · 4.125%
HK$11,569
baseline
▲ 0.50% · 4.625%
HK$12,273
+HK$704/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,138/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,111
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,436
−HK$329/mo
Today · 4.125%
HK$12,765
baseline
▲ 0.50% · 4.625%
HK$13,438
+HK$673/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,530/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,997
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,432
−HK$443/mo
Today · 4.125%
HK$14,875
baseline
▲ 0.50% · 4.625%
HK$15,780
+HK$905/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,750/mo (50% DSR)
Upfront cash ≈ HK$341K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,571
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,989
−HK$424/mo
Today · 4.125%
HK$16,413
baseline
▲ 0.50% · 4.625%
HK$17,278
+HK$865/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,826/mo (50% DSR)
Upfront cash ≈ HK$341K (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).