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$8,351
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,611
−HK$264/mo
Today · 4.125%
HK$8,875
baseline
▲ 0.50% · 4.625%
HK$9,415
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,750/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,290
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,540
−HK$252/mo
Today · 4.125%
HK$9,792
baseline
▲ 0.50% · 4.625%
HK$10,309
+HK$517/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,584/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,021
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,333
−HK$317/mo
Today · 4.125%
HK$10,650
baseline
▲ 0.50% · 4.625%
HK$11,298
+HK$648/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$21,300/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,149
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,448
−HK$303/mo
Today · 4.125%
HK$11,751
baseline
▲ 0.50% · 4.625%
HK$12,370
+HK$619/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$23,502/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,692
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,055
−HK$370/mo
Today · 4.125%
HK$12,425
baseline
▲ 0.50% · 4.625%
HK$13,181
+HK$756/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,850/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,007
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,356
−HK$353/mo
Today · 4.125%
HK$13,709
baseline
▲ 0.50% · 4.625%
HK$14,432
+HK$723/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,418/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,032
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,500
−HK$475/mo
Today · 4.125%
HK$15,975
baseline
▲ 0.50% · 4.625%
HK$16,947
+HK$972/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$31,950/mo (50% DSR)
Upfront cash ≈ HK$366K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,723
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,171
−HK$455/mo
Today · 4.125%
HK$17,626
baseline
▲ 0.50% · 4.625%
HK$18,555
+HK$929/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$35,252/mo (50% DSR)
Upfront cash ≈ HK$366K (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).