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$8,320
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,579
−HK$263/mo
Today · 4.125%
HK$8,842
baseline
▲ 0.50% · 4.625%
HK$9,380
+HK$538/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,684/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,256
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,505
−HK$251/mo
Today · 4.125%
HK$9,756
baseline
▲ 0.50% · 4.625%
HK$10,271
+HK$515/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,512/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,984
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,295
−HK$315/mo
Today · 4.125%
HK$10,610
baseline
▲ 0.50% · 4.625%
HK$11,256
+HK$646/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,220/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,108
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,405
−HK$303/mo
Today · 4.125%
HK$11,708
baseline
▲ 0.50% · 4.625%
HK$12,325
+HK$617/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,416/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,648
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,011
−HK$368/mo
Today · 4.125%
HK$12,379
baseline
▲ 0.50% · 4.625%
HK$13,132
+HK$753/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,758/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,959
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,306
−HK$353/mo
Today · 4.125%
HK$13,659
baseline
▲ 0.50% · 4.625%
HK$14,379
+HK$720/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,318/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,977
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,442
−HK$474/mo
Today · 4.125%
HK$15,916
baseline
▲ 0.50% · 4.625%
HK$16,884
+HK$968/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$31,832/mo (50% DSR)
Upfront cash ≈ HK$365K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,661
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,108
−HK$453/mo
Today · 4.125%
HK$17,561
baseline
▲ 0.50% · 4.625%
HK$18,487
+HK$926/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$35,122/mo (50% DSR)
Upfront cash ≈ HK$365K (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).