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$8,874
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,150
−HK$280/mo
Today · 4.125%
HK$9,430
baseline
▲ 0.50% · 4.625%
HK$10,004
+HK$574/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,860/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,872
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,137
−HK$268/mo
Today · 4.125%
HK$10,405
baseline
▲ 0.50% · 4.625%
HK$10,954
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,810/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,648
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,980
−HK$336/mo
Today · 4.125%
HK$11,316
baseline
▲ 0.50% · 4.625%
HK$12,005
+HK$689/mo
Deposit HK$1.56M · loan HK$2.33M · min. income ≈ HK$22,632/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,846
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,164
−HK$322/mo
Today · 4.125%
HK$12,486
baseline
▲ 0.50% · 4.625%
HK$13,144
+HK$658/mo
Deposit HK$1.56M · loan HK$2.33M · min. income ≈ HK$24,972/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,423
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,810
−HK$392/mo
Today · 4.125%
HK$13,202
baseline
▲ 0.50% · 4.625%
HK$14,005
+HK$803/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,404/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,821
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,191
−HK$376/mo
Today · 4.125%
HK$14,567
baseline
▲ 0.50% · 4.625%
HK$15,335
+HK$768/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,134/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,973
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,469
−HK$505/mo
Today · 4.125%
HK$16,974
baseline
▲ 0.50% · 4.625%
HK$18,007
+HK$1,033/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,948/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,769
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,246
−HK$483/mo
Today · 4.125%
HK$18,729
baseline
▲ 0.50% · 4.625%
HK$19,717
+HK$988/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,458/mo (50% DSR)
Upfront cash ≈ HK$389K (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).