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$7,608
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,844
−HK$241/mo
Today · 4.125%
HK$8,085
baseline
▲ 0.50% · 4.625%
HK$8,577
+HK$492/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,170/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,463
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,690
−HK$231/mo
Today · 4.125%
HK$8,921
baseline
▲ 0.50% · 4.625%
HK$9,391
+HK$470/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,842/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,129
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,413
−HK$289/mo
Today · 4.125%
HK$9,702
baseline
▲ 0.50% · 4.625%
HK$10,292
+HK$590/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,404/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,156
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,428
−HK$277/mo
Today · 4.125%
HK$10,705
baseline
▲ 0.50% · 4.625%
HK$11,269
+HK$564/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,410/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,651
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,982
−HK$337/mo
Today · 4.125%
HK$11,319
baseline
▲ 0.50% · 4.625%
HK$12,007
+HK$688/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,638/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,849
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,167
−HK$322/mo
Today · 4.125%
HK$12,489
baseline
▲ 0.50% · 4.625%
HK$13,147
+HK$658/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$24,978/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,694
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,120
−HK$432/mo
Today · 4.125%
HK$14,552
baseline
▲ 0.50% · 4.625%
HK$15,438
+HK$886/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$29,104/mo (50% DSR)
Upfront cash ≈ HK$334K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,234
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,643
−HK$414/mo
Today · 4.125%
HK$16,057
baseline
▲ 0.50% · 4.625%
HK$16,904
+HK$847/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$32,114/mo (50% DSR)
Upfront cash ≈ HK$334K (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).