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$8,979
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,259
−HK$284/mo
Today · 4.125%
HK$9,543
baseline
▲ 0.50% · 4.625%
HK$10,123
+HK$580/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,086/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,990
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,257
−HK$272/mo
Today · 4.125%
HK$10,529
baseline
▲ 0.50% · 4.625%
HK$11,084
+HK$555/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,058/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,775
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,110
−HK$341/mo
Today · 4.125%
HK$11,451
baseline
▲ 0.50% · 4.625%
HK$12,148
+HK$697/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$22,902/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,987
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,309
−HK$326/mo
Today · 4.125%
HK$12,635
baseline
▲ 0.50% · 4.625%
HK$13,301
+HK$666/mo
Deposit HK$1.58M · loan HK$2.36M · min. income ≈ HK$25,270/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,571
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,962
−HK$398/mo
Today · 4.125%
HK$13,360
baseline
▲ 0.50% · 4.625%
HK$14,172
+HK$812/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,720/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,985
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,360
−HK$381/mo
Today · 4.125%
HK$14,741
baseline
▲ 0.50% · 4.625%
HK$15,518
+HK$777/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,482/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,163
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,666
−HK$511/mo
Today · 4.125%
HK$17,177
baseline
▲ 0.50% · 4.625%
HK$18,222
+HK$1,045/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$34,354/mo (50% DSR)
Upfront cash ≈ HK$394K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,981
−HK$972/mo
▼ 0.25% · 3.875%
HK$18,463
−HK$490/mo
Today · 4.125%
HK$18,953
baseline
▲ 0.50% · 4.625%
HK$19,952
+HK$999/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$37,906/mo (50% DSR)
Upfront cash ≈ HK$394K (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).