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$8,431
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,693
−HK$267/mo
Today · 4.125%
HK$8,960
baseline
▲ 0.50% · 4.625%
HK$9,505
+HK$545/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,920/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,379
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,631
−HK$255/mo
Today · 4.125%
HK$9,886
baseline
▲ 0.50% · 4.625%
HK$10,407
+HK$521/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,772/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,117
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,432
−HK$320/mo
Today · 4.125%
HK$10,752
baseline
▲ 0.50% · 4.625%
HK$11,406
+HK$654/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,504/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,255
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,557
−HK$306/mo
Today · 4.125%
HK$11,863
baseline
▲ 0.50% · 4.625%
HK$12,489
+HK$626/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,726/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,804
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,171
−HK$373/mo
Today · 4.125%
HK$12,544
baseline
▲ 0.50% · 4.625%
HK$13,307
+HK$763/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,088/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,131
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,483
−HK$358/mo
Today · 4.125%
HK$13,841
baseline
▲ 0.50% · 4.625%
HK$14,570
+HK$729/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,682/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,176
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,648
−HK$480/mo
Today · 4.125%
HK$16,128
baseline
▲ 0.50% · 4.625%
HK$17,109
+HK$981/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,256/mo (50% DSR)
Upfront cash ≈ HK$370K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,883
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,336
−HK$459/mo
Today · 4.125%
HK$17,795
baseline
▲ 0.50% · 4.625%
HK$18,733
+HK$938/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,590/mo (50% DSR)
Upfront cash ≈ HK$370K (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).