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$7,758
−HK$487/mo
▼ 0.25% · 3.875%
HK$7,999
−HK$246/mo
Today · 4.125%
HK$8,245
baseline
▲ 0.50% · 4.625%
HK$8,746
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,490/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,631
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,862
−HK$235/mo
Today · 4.125%
HK$9,097
baseline
▲ 0.50% · 4.625%
HK$9,577
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,194/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,310
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,599
−HK$295/mo
Today · 4.125%
HK$9,894
baseline
▲ 0.50% · 4.625%
HK$10,496
+HK$602/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,788/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,357
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,635
−HK$282/mo
Today · 4.125%
HK$10,917
baseline
▲ 0.50% · 4.625%
HK$11,492
+HK$575/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,834/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,861
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,199
−HK$343/mo
Today · 4.125%
HK$11,542
baseline
▲ 0.50% · 4.625%
HK$12,245
+HK$703/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,084/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,083
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,407
−HK$329/mo
Today · 4.125%
HK$12,736
baseline
▲ 0.50% · 4.625%
HK$13,407
+HK$671/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,472/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,965
−HK$875/mo
▼ 0.25% · 3.875%
HK$14,399
−HK$441/mo
Today · 4.125%
HK$14,840
baseline
▲ 0.50% · 4.625%
HK$15,743
+HK$903/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,680/mo (50% DSR)
Upfront cash ≈ HK$340K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,535
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,952
−HK$423/mo
Today · 4.125%
HK$16,375
baseline
▲ 0.50% · 4.625%
HK$17,238
+HK$863/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,750/mo (50% DSR)
Upfront cash ≈ HK$340K (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).