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$7,793
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,036
−HK$246/mo
Today · 4.125%
HK$8,282
baseline
▲ 0.50% · 4.625%
HK$8,786
+HK$504/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,564/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$8,670
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,902
−HK$236/mo
Today · 4.125%
HK$9,138
baseline
▲ 0.50% · 4.625%
HK$9,620
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,276/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$9,352
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,643
−HK$295/mo
Today · 4.125%
HK$9,938
baseline
▲ 0.50% · 4.625%
HK$10,543
+HK$605/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,876/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$10,404
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,683
−HK$283/mo
Today · 4.125%
HK$10,966
baseline
▲ 0.50% · 4.625%
HK$11,544
+HK$578/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,932/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$10,911
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,250
−HK$345/mo
Today · 4.125%
HK$11,595
baseline
▲ 0.50% · 4.625%
HK$12,300
+HK$705/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$23,190/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,138
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,463
−HK$331/mo
Today · 4.125%
HK$12,794
baseline
▲ 0.50% · 4.625%
HK$13,468
+HK$674/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$25,588/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,028
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,464
−HK$443/mo
Today · 4.125%
HK$14,907
baseline
▲ 0.50% · 4.625%
HK$15,815
+HK$908/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,814/mo (50% DSR)
Upfront cash ≈ HK$342K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,606
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,024
−HK$425/mo
Today · 4.125%
HK$16,449
baseline
▲ 0.50% · 4.625%
HK$17,316
+HK$867/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,898/mo (50% DSR)
Upfront cash ≈ HK$342K (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).