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$8,588
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,855
−HK$272/mo
Today · 4.125%
HK$9,127
baseline
▲ 0.50% · 4.625%
HK$9,682
+HK$555/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,254/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,554
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,810
−HK$260/mo
Today · 4.125%
HK$10,070
baseline
▲ 0.50% · 4.625%
HK$10,601
+HK$531/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,140/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,306
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,626
−HK$326/mo
Today · 4.125%
HK$10,952
baseline
▲ 0.50% · 4.625%
HK$11,618
+HK$666/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,904/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,465
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,772
−HK$312/mo
Today · 4.125%
HK$12,084
baseline
▲ 0.50% · 4.625%
HK$12,721
+HK$637/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,168/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,023
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,397
−HK$380/mo
Today · 4.125%
HK$12,777
baseline
▲ 0.50% · 4.625%
HK$13,555
+HK$778/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,554/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,376
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,734
−HK$364/mo
Today · 4.125%
HK$14,098
baseline
▲ 0.50% · 4.625%
HK$14,841
+HK$743/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,196/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,458
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,939
−HK$489/mo
Today · 4.125%
HK$16,428
baseline
▲ 0.50% · 4.625%
HK$17,427
+HK$999/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,856/mo (50% DSR)
Upfront cash ≈ HK$377K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,197
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,659
−HK$467/mo
Today · 4.125%
HK$18,126
baseline
▲ 0.50% · 4.625%
HK$19,082
+HK$956/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,252/mo (50% DSR)
Upfront cash ≈ HK$377K (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).