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$8,245
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,501
−HK$261/mo
Today · 4.125%
HK$8,762
baseline
▲ 0.50% · 4.625%
HK$9,295
+HK$533/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,524/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,172
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,418
−HK$250/mo
Today · 4.125%
HK$9,668
baseline
▲ 0.50% · 4.625%
HK$10,177
+HK$509/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,336/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,894
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,201
−HK$313/mo
Today · 4.125%
HK$10,514
baseline
▲ 0.50% · 4.625%
HK$11,154
+HK$640/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,028/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,006
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,302
−HK$299/mo
Today · 4.125%
HK$11,601
baseline
▲ 0.50% · 4.625%
HK$12,213
+HK$612/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,202/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,542
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,901
−HK$365/mo
Today · 4.125%
HK$12,266
baseline
▲ 0.50% · 4.625%
HK$13,013
+HK$747/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,532/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,841
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,185
−HK$350/mo
Today · 4.125%
HK$13,535
baseline
▲ 0.50% · 4.625%
HK$14,248
+HK$713/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,070/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,840
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,302
−HK$469/mo
Today · 4.125%
HK$15,771
baseline
▲ 0.50% · 4.625%
HK$16,731
+HK$960/mo
Deposit HK$362K · loan HK$3.25M · min. income ≈ HK$31,542/mo (50% DSR)
Upfront cash ≈ HK$362K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,510
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,952
−HK$450/mo
Today · 4.125%
HK$17,402
baseline
▲ 0.50% · 4.625%
HK$18,319
+HK$917/mo
Deposit HK$362K · loan HK$3.25M · min. income ≈ HK$34,804/mo (50% DSR)
Upfront cash ≈ HK$362K (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).