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$8,962
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,240
−HK$284/mo
Today · 4.125%
HK$9,524
baseline
▲ 0.50% · 4.625%
HK$10,103
+HK$579/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,048/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,970
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,237
−HK$271/mo
Today · 4.125%
HK$10,508
baseline
▲ 0.50% · 4.625%
HK$11,062
+HK$554/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,016/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,754
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,088
−HK$340/mo
Today · 4.125%
HK$11,428
baseline
▲ 0.50% · 4.625%
HK$12,124
+HK$696/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,856/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,964
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,285
−HK$325/mo
Today · 4.125%
HK$12,610
baseline
▲ 0.50% · 4.625%
HK$13,275
+HK$665/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,220/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,546
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,937
−HK$396/mo
Today · 4.125%
HK$13,333
baseline
▲ 0.50% · 4.625%
HK$14,144
+HK$811/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,666/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,958
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,332
−HK$380/mo
Today · 4.125%
HK$14,712
baseline
▲ 0.50% · 4.625%
HK$15,487
+HK$775/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,424/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,131
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,633
−HK$509/mo
Today · 4.125%
HK$17,142
baseline
▲ 0.50% · 4.625%
HK$18,186
+HK$1,044/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,284/mo (50% DSR)
Upfront cash ≈ HK$393K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,945
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,427
−HK$488/mo
Today · 4.125%
HK$18,915
baseline
▲ 0.50% · 4.625%
HK$19,912
+HK$997/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,830/mo (50% DSR)
Upfront cash ≈ HK$393K (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).