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$7,778
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,020
−HK$245/mo
Today · 4.125%
HK$8,265
baseline
▲ 0.50% · 4.625%
HK$8,768
+HK$503/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,530/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$8,653
−HK$467/mo
▼ 0.25% · 3.875%
HK$8,885
−HK$235/mo
Today · 4.125%
HK$9,120
baseline
▲ 0.50% · 4.625%
HK$9,601
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,240/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$9,333
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,624
−HK$295/mo
Today · 4.125%
HK$9,919
baseline
▲ 0.50% · 4.625%
HK$10,522
+HK$603/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$19,838/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$10,383
−HK$561/mo
▼ 0.25% · 3.875%
HK$10,662
−HK$282/mo
Today · 4.125%
HK$10,944
baseline
▲ 0.50% · 4.625%
HK$11,521
+HK$577/mo
Deposit HK$1.36M · loan HK$2.05M · min. income ≈ HK$21,888/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$10,889
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,228
−HK$344/mo
Today · 4.125%
HK$11,572
baseline
▲ 0.50% · 4.625%
HK$12,276
+HK$704/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,144/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$12,114
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,439
−HK$329/mo
Today · 4.125%
HK$12,768
baseline
▲ 0.50% · 4.625%
HK$13,441
+HK$673/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,536/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$14,000
−HK$878/mo
▼ 0.25% · 3.875%
HK$14,435
−HK$443/mo
Today · 4.125%
HK$14,878
baseline
▲ 0.50% · 4.625%
HK$15,783
+HK$905/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$29,756/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$15,575
−HK$841/mo
▼ 0.25% · 3.875%
HK$15,992
−HK$424/mo
Today · 4.125%
HK$16,416
baseline
▲ 0.50% · 4.625%
HK$17,282
+HK$866/mo
Deposit HK$341K · loan HK$3.07M · min. income ≈ HK$32,832/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).