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$8,786
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,059
−HK$278/mo
Today · 4.125%
HK$9,337
baseline
▲ 0.50% · 4.625%
HK$9,905
+HK$568/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,674/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,774
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,036
−HK$266/mo
Today · 4.125%
HK$10,302
baseline
▲ 0.50% · 4.625%
HK$10,845
+HK$543/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,604/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,543
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,871
−HK$333/mo
Today · 4.125%
HK$11,204
baseline
▲ 0.50% · 4.625%
HK$11,886
+HK$682/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,408/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,729
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,043
−HK$320/mo
Today · 4.125%
HK$12,363
baseline
▲ 0.50% · 4.625%
HK$13,014
+HK$651/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,726/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,300
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,683
−HK$388/mo
Today · 4.125%
HK$13,071
baseline
▲ 0.50% · 4.625%
HK$13,867
+HK$796/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,142/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,684
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,051
−HK$372/mo
Today · 4.125%
HK$14,423
baseline
▲ 0.50% · 4.625%
HK$15,183
+HK$760/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,846/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,814
−HK$992/mo
▼ 0.25% · 3.875%
HK$16,306
−HK$500/mo
Today · 4.125%
HK$16,806
baseline
▲ 0.50% · 4.625%
HK$17,829
+HK$1,023/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$33,612/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,593
−HK$951/mo
▼ 0.25% · 3.875%
HK$18,065
−HK$479/mo
Today · 4.125%
HK$18,544
baseline
▲ 0.50% · 4.625%
HK$19,521
+HK$977/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$37,088/mo (50% DSR)
Upfront cash ≈ HK$385K (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).