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$7,720
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,960
−HK$244/mo
Today · 4.125%
HK$8,204
baseline
▲ 0.50% · 4.625%
HK$8,703
+HK$499/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,408/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,588
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,818
−HK$234/mo
Today · 4.125%
HK$9,052
baseline
▲ 0.50% · 4.625%
HK$9,529
+HK$477/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,104/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,264
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,552
−HK$292/mo
Today · 4.125%
HK$9,844
baseline
▲ 0.50% · 4.625%
HK$10,443
+HK$599/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,688/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,306
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,582
−HK$280/mo
Today · 4.125%
HK$10,862
baseline
▲ 0.50% · 4.625%
HK$11,435
+HK$573/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,724/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,807
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,144
−HK$341/mo
Today · 4.125%
HK$11,485
baseline
▲ 0.50% · 4.625%
HK$12,184
+HK$699/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$22,970/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$12,023
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,346
−HK$327/mo
Today · 4.125%
HK$12,673
baseline
▲ 0.50% · 4.625%
HK$13,341
+HK$668/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,346/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$13,895
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,327
−HK$440/mo
Today · 4.125%
HK$14,767
baseline
▲ 0.50% · 4.625%
HK$15,665
+HK$898/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,534/mo (50% DSR)
Upfront cash ≈ HK$339K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,458
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,873
−HK$421/mo
Today · 4.125%
HK$16,294
baseline
▲ 0.50% · 4.625%
HK$17,152
+HK$858/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,588/mo (50% DSR)
Upfront cash ≈ HK$339K (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).