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$7,972
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,220
−HK$252/mo
Today · 4.125%
HK$8,472
baseline
▲ 0.50% · 4.625%
HK$8,988
+HK$516/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,944/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,869
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,107
−HK$241/mo
Today · 4.125%
HK$9,348
baseline
▲ 0.50% · 4.625%
HK$9,841
+HK$493/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,696/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,567
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,864
−HK$303/mo
Today · 4.125%
HK$10,167
baseline
▲ 0.50% · 4.625%
HK$10,785
+HK$618/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,334/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,643
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,928
−HK$290/mo
Today · 4.125%
HK$11,218
baseline
▲ 0.50% · 4.625%
HK$11,809
+HK$591/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,436/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,161
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,508
−HK$353/mo
Today · 4.125%
HK$11,861
baseline
▲ 0.50% · 4.625%
HK$12,583
+HK$722/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,722/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$12,417
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,750
−HK$338/mo
Today · 4.125%
HK$13,088
baseline
▲ 0.50% · 4.625%
HK$13,777
+HK$689/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,176/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$14,350
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,796
−HK$454/mo
Today · 4.125%
HK$15,250
baseline
▲ 0.50% · 4.625%
HK$16,178
+HK$928/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,500/mo (50% DSR)
Upfront cash ≈ HK$350K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,964
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,392
−HK$435/mo
Today · 4.125%
HK$16,827
baseline
▲ 0.50% · 4.625%
HK$17,714
+HK$887/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,654/mo (50% DSR)
Upfront cash ≈ HK$350K (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).