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$8,533
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,798
−HK$270/mo
Today · 4.125%
HK$9,068
baseline
▲ 0.50% · 4.625%
HK$9,620
+HK$552/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,136/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,493
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,747
−HK$258/mo
Today · 4.125%
HK$10,005
baseline
▲ 0.50% · 4.625%
HK$10,533
+HK$528/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,010/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,239
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,558
−HK$323/mo
Today · 4.125%
HK$10,881
baseline
▲ 0.50% · 4.625%
HK$11,543
+HK$662/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,762/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,391
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,697
−HK$310/mo
Today · 4.125%
HK$12,007
baseline
▲ 0.50% · 4.625%
HK$12,639
+HK$632/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,014/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,946
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,317
−HK$378/mo
Today · 4.125%
HK$12,695
baseline
▲ 0.50% · 4.625%
HK$13,467
+HK$772/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,390/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,290
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,646
−HK$362/mo
Today · 4.125%
HK$14,008
baseline
▲ 0.50% · 4.625%
HK$14,746
+HK$738/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,016/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,359
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,837
−HK$485/mo
Today · 4.125%
HK$16,322
baseline
▲ 0.50% · 4.625%
HK$17,315
+HK$993/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$32,644/mo (50% DSR)
Upfront cash ≈ HK$374K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,087
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,545
−HK$465/mo
Today · 4.125%
HK$18,010
baseline
▲ 0.50% · 4.625%
HK$18,959
+HK$949/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$36,020/mo (50% DSR)
Upfront cash ≈ HK$374K (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).