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$8,342
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,602
−HK$263/mo
Today · 4.125%
HK$8,865
baseline
▲ 0.50% · 4.625%
HK$9,405
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,730/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,281
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,530
−HK$252/mo
Today · 4.125%
HK$9,782
baseline
▲ 0.50% · 4.625%
HK$10,298
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,564/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,011
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,322
−HK$317/mo
Today · 4.125%
HK$10,639
baseline
▲ 0.50% · 4.625%
HK$11,286
+HK$647/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$21,278/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,137
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,436
−HK$303/mo
Today · 4.125%
HK$11,739
baseline
▲ 0.50% · 4.625%
HK$12,357
+HK$618/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$23,478/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,679
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,043
−HK$369/mo
Today · 4.125%
HK$12,412
baseline
▲ 0.50% · 4.625%
HK$13,167
+HK$755/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,824/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,993
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,342
−HK$353/mo
Today · 4.125%
HK$13,695
baseline
▲ 0.50% · 4.625%
HK$14,417
+HK$722/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,390/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,016
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,483
−HK$475/mo
Today · 4.125%
HK$15,958
baseline
▲ 0.50% · 4.625%
HK$16,929
+HK$971/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$31,916/mo (50% DSR)
Upfront cash ≈ HK$366K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,705
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,153
−HK$455/mo
Today · 4.125%
HK$17,608
baseline
▲ 0.50% · 4.625%
HK$18,536
+HK$928/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$35,216/mo (50% DSR)
Upfront cash ≈ HK$366K (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).