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$7,917
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,163
−HK$250/mo
Today · 4.125%
HK$8,413
baseline
▲ 0.50% · 4.625%
HK$8,925
+HK$512/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,826/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,808
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,044
−HK$239/mo
Today · 4.125%
HK$9,283
baseline
▲ 0.50% · 4.625%
HK$9,773
+HK$490/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,566/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,500
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,796
−HK$300/mo
Today · 4.125%
HK$10,096
baseline
▲ 0.50% · 4.625%
HK$10,710
+HK$614/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,192/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,569
−HK$571/mo
▼ 0.25% · 3.875%
HK$10,853
−HK$287/mo
Today · 4.125%
HK$11,140
baseline
▲ 0.50% · 4.625%
HK$11,727
+HK$587/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,280/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,084
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,429
−HK$350/mo
Today · 4.125%
HK$11,779
baseline
▲ 0.50% · 4.625%
HK$12,496
+HK$717/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,558/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,331
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,661
−HK$336/mo
Today · 4.125%
HK$12,997
baseline
▲ 0.50% · 4.625%
HK$13,682
+HK$685/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,994/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,251
−HK$893/mo
▼ 0.25% · 3.875%
HK$14,694
−HK$450/mo
Today · 4.125%
HK$15,144
baseline
▲ 0.50% · 4.625%
HK$16,066
+HK$922/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,288/mo (50% DSR)
Upfront cash ≈ HK$347K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,854
−HK$856/mo
▼ 0.25% · 3.875%
HK$16,279
−HK$431/mo
Today · 4.125%
HK$16,710
baseline
▲ 0.50% · 4.625%
HK$17,591
+HK$881/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,420/mo (50% DSR)
Upfront cash ≈ HK$347K (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).