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$7,718
−HK$484/mo
▼ 0.25% · 3.875%
HK$7,958
−HK$244/mo
Today · 4.125%
HK$8,202
baseline
▲ 0.50% · 4.625%
HK$8,701
+HK$499/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,404/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$8,586
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,816
−HK$234/mo
Today · 4.125%
HK$9,050
baseline
▲ 0.50% · 4.625%
HK$9,527
+HK$477/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,100/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$9,261
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,549
−HK$293/mo
Today · 4.125%
HK$9,842
baseline
▲ 0.50% · 4.625%
HK$10,441
+HK$599/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,684/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$10,303
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,579
−HK$281/mo
Today · 4.125%
HK$10,860
baseline
▲ 0.50% · 4.625%
HK$11,432
+HK$572/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,720/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$10,805
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,141
−HK$341/mo
Today · 4.125%
HK$11,482
baseline
▲ 0.50% · 4.625%
HK$12,181
+HK$699/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$22,964/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$12,020
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,342
−HK$328/mo
Today · 4.125%
HK$12,670
baseline
▲ 0.50% · 4.625%
HK$13,337
+HK$667/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,340/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$13,892
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,324
−HK$439/mo
Today · 4.125%
HK$14,763
baseline
▲ 0.50% · 4.625%
HK$15,661
+HK$898/mo
Deposit HK$338K · loan HK$3.05M · min. income ≈ HK$29,526/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$15,454
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,869
−HK$420/mo
Today · 4.125%
HK$16,289
baseline
▲ 0.50% · 4.625%
HK$17,148
+HK$859/mo
Deposit HK$338K · loan HK$3.05M · min. income ≈ HK$32,578/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).