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$7,785
−HK$488/mo
▼ 0.25% · 3.875%
HK$8,027
−HK$246/mo
Today · 4.125%
HK$8,273
baseline
▲ 0.50% · 4.625%
HK$8,776
+HK$503/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,546/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$8,660
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,892
−HK$236/mo
Today · 4.125%
HK$9,128
baseline
▲ 0.50% · 4.625%
HK$9,609
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,256/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$9,341
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,632
−HK$295/mo
Today · 4.125%
HK$9,927
baseline
▲ 0.50% · 4.625%
HK$10,531
+HK$604/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,854/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,392
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,671
−HK$283/mo
Today · 4.125%
HK$10,954
baseline
▲ 0.50% · 4.625%
HK$11,531
+HK$577/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,908/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,898
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,237
−HK$345/mo
Today · 4.125%
HK$11,582
baseline
▲ 0.50% · 4.625%
HK$12,286
+HK$704/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,164/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$12,124
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,449
−HK$330/mo
Today · 4.125%
HK$12,779
baseline
▲ 0.50% · 4.625%
HK$13,453
+HK$674/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,558/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$14,012
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,448
−HK$443/mo
Today · 4.125%
HK$14,891
baseline
▲ 0.50% · 4.625%
HK$15,797
+HK$906/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,782/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$15,588
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,006
−HK$425/mo
Today · 4.125%
HK$16,431
baseline
▲ 0.50% · 4.625%
HK$17,297
+HK$866/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,862/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).