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$8,395
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,656
−HK$266/mo
Today · 4.125%
HK$8,922
baseline
▲ 0.50% · 4.625%
HK$9,464
+HK$542/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,844/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,339
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,590
−HK$254/mo
Today · 4.125%
HK$9,844
baseline
▲ 0.50% · 4.625%
HK$10,363
+HK$519/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,688/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,074
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,388
−HK$318/mo
Today · 4.125%
HK$10,706
baseline
▲ 0.50% · 4.625%
HK$11,357
+HK$651/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,412/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$11,207
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,508
−HK$305/mo
Today · 4.125%
HK$11,813
baseline
▲ 0.50% · 4.625%
HK$12,436
+HK$623/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,626/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$11,753
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,119
−HK$371/mo
Today · 4.125%
HK$12,490
baseline
▲ 0.50% · 4.625%
HK$13,250
+HK$760/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$24,980/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$13,075
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,426
−HK$356/mo
Today · 4.125%
HK$13,782
baseline
▲ 0.50% · 4.625%
HK$14,508
+HK$726/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$27,564/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$15,111
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,581
−HK$478/mo
Today · 4.125%
HK$16,059
baseline
▲ 0.50% · 4.625%
HK$17,036
+HK$977/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,118/mo (50% DSR)
Upfront cash ≈ HK$368K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,811
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,262
−HK$457/mo
Today · 4.125%
HK$17,719
baseline
▲ 0.50% · 4.625%
HK$18,653
+HK$934/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,438/mo (50% DSR)
Upfront cash ≈ HK$368K (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).