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$8,462
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,725
−HK$268/mo
Today · 4.125%
HK$8,993
baseline
▲ 0.50% · 4.625%
HK$9,540
+HK$547/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$17,986/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,414
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,667
−HK$256/mo
Today · 4.125%
HK$9,923
baseline
▲ 0.50% · 4.625%
HK$10,446
+HK$523/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,846/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,155
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,470
−HK$321/mo
Today · 4.125%
HK$10,791
baseline
▲ 0.50% · 4.625%
HK$11,448
+HK$657/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$21,582/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,297
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,600
−HK$307/mo
Today · 4.125%
HK$11,907
baseline
▲ 0.50% · 4.625%
HK$12,535
+HK$628/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$23,814/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,847
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,216
−HK$374/mo
Today · 4.125%
HK$12,590
baseline
▲ 0.50% · 4.625%
HK$13,356
+HK$766/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,180/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,180
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,533
−HK$359/mo
Today · 4.125%
HK$13,892
baseline
▲ 0.50% · 4.625%
HK$14,624
+HK$732/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,784/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,232
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,706
−HK$481/mo
Today · 4.125%
HK$16,187
baseline
▲ 0.50% · 4.625%
HK$17,172
+HK$985/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,374/mo (50% DSR)
Upfront cash ≈ HK$371K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,945
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,400
−HK$461/mo
Today · 4.125%
HK$17,861
baseline
▲ 0.50% · 4.625%
HK$18,802
+HK$941/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,722/mo (50% DSR)
Upfront cash ≈ HK$371K (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).