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$8,489
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,753
−HK$269/mo
Today · 4.125%
HK$9,022
baseline
▲ 0.50% · 4.625%
HK$9,571
+HK$549/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,044/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,444
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,698
−HK$257/mo
Today · 4.125%
HK$9,955
baseline
▲ 0.50% · 4.625%
HK$10,479
+HK$524/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,910/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,187
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,504
−HK$322/mo
Today · 4.125%
HK$10,826
baseline
▲ 0.50% · 4.625%
HK$11,485
+HK$659/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,652/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,333
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,637
−HK$309/mo
Today · 4.125%
HK$11,946
baseline
▲ 0.50% · 4.625%
HK$12,575
+HK$629/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,892/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,885
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,255
−HK$376/mo
Today · 4.125%
HK$12,631
baseline
▲ 0.50% · 4.625%
HK$13,399
+HK$768/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,262/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,222
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,577
−HK$360/mo
Today · 4.125%
HK$13,937
baseline
▲ 0.50% · 4.625%
HK$14,671
+HK$734/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,874/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,281
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,756
−HK$483/mo
Today · 4.125%
HK$16,239
baseline
▲ 0.50% · 4.625%
HK$17,227
+HK$988/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,478/mo (50% DSR)
Upfront cash ≈ HK$372K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,000
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,456
−HK$462/mo
Today · 4.125%
HK$17,918
baseline
▲ 0.50% · 4.625%
HK$18,863
+HK$945/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,836/mo (50% DSR)
Upfront cash ≈ HK$372K (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).