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$7,775
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,016
−HK$246/mo
Today · 4.125%
HK$8,262
baseline
▲ 0.50% · 4.625%
HK$8,765
+HK$503/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,524/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,649
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,881
−HK$235/mo
Today · 4.125%
HK$9,116
baseline
▲ 0.50% · 4.625%
HK$9,597
+HK$481/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,232/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,330
−HK$585/mo
▼ 0.25% · 3.875%
HK$9,620
−HK$295/mo
Today · 4.125%
HK$9,915
baseline
▲ 0.50% · 4.625%
HK$10,518
+HK$603/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$19,830/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$10,379
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,657
−HK$283/mo
Today · 4.125%
HK$10,940
baseline
▲ 0.50% · 4.625%
HK$11,516
+HK$576/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$21,880/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$10,884
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,223
−HK$344/mo
Today · 4.125%
HK$11,567
baseline
▲ 0.50% · 4.625%
HK$12,271
+HK$704/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,134/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$12,109
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,434
−HK$329/mo
Today · 4.125%
HK$12,763
baseline
▲ 0.50% · 4.625%
HK$13,436
+HK$673/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,526/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$13,994
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,430
−HK$442/mo
Today · 4.125%
HK$14,872
baseline
▲ 0.50% · 4.625%
HK$15,777
+HK$905/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,744/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$15,568
−HK$842/mo
▼ 0.25% · 3.875%
HK$15,986
−HK$424/mo
Today · 4.125%
HK$16,410
baseline
▲ 0.50% · 4.625%
HK$17,275
+HK$865/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,820/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).