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$8,554
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,820
−HK$271/mo
Today · 4.125%
HK$9,091
baseline
▲ 0.50% · 4.625%
HK$9,644
+HK$553/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,182/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$9,516
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,772
−HK$259/mo
Today · 4.125%
HK$10,031
baseline
▲ 0.50% · 4.625%
HK$10,559
+HK$528/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,062/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$10,265
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,584
−HK$325/mo
Today · 4.125%
HK$10,909
baseline
▲ 0.50% · 4.625%
HK$11,572
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,818/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,420
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,726
−HK$311/mo
Today · 4.125%
HK$12,037
baseline
▲ 0.50% · 4.625%
HK$12,671
+HK$634/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,074/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,976
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,348
−HK$379/mo
Today · 4.125%
HK$12,727
baseline
▲ 0.50% · 4.625%
HK$13,501
+HK$774/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,454/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$13,323
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,680
−HK$363/mo
Today · 4.125%
HK$14,043
baseline
▲ 0.50% · 4.625%
HK$14,783
+HK$740/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,086/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$15,398
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,876
−HK$487/mo
Today · 4.125%
HK$16,363
baseline
▲ 0.50% · 4.625%
HK$17,359
+HK$996/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$32,726/mo (50% DSR)
Upfront cash ≈ HK$375K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,130
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,589
−HK$466/mo
Today · 4.125%
HK$18,055
baseline
▲ 0.50% · 4.625%
HK$19,007
+HK$952/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$36,110/mo (50% DSR)
Upfront cash ≈ HK$375K (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).