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$8,409
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,670
−HK$266/mo
Today · 4.125%
HK$8,936
baseline
▲ 0.50% · 4.625%
HK$9,480
+HK$544/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,872/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,355
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,606
−HK$254/mo
Today · 4.125%
HK$9,860
baseline
▲ 0.50% · 4.625%
HK$10,380
+HK$520/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,720/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,091
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,405
−HK$318/mo
Today · 4.125%
HK$10,723
baseline
▲ 0.50% · 4.625%
HK$11,376
+HK$653/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$21,446/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$11,226
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,527
−HK$305/mo
Today · 4.125%
HK$11,832
baseline
▲ 0.50% · 4.625%
HK$12,456
+HK$624/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$23,664/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$11,773
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,139
−HK$372/mo
Today · 4.125%
HK$12,511
baseline
▲ 0.50% · 4.625%
HK$13,272
+HK$761/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,022/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$13,097
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,448
−HK$356/mo
Today · 4.125%
HK$13,804
baseline
▲ 0.50% · 4.625%
HK$14,532
+HK$728/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,608/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$15,136
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,607
−HK$478/mo
Today · 4.125%
HK$16,085
baseline
▲ 0.50% · 4.625%
HK$17,064
+HK$979/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,170/mo (50% DSR)
Upfront cash ≈ HK$369K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,839
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,290
−HK$458/mo
Today · 4.125%
HK$17,748
baseline
▲ 0.50% · 4.625%
HK$18,684
+HK$936/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,496/mo (50% DSR)
Upfront cash ≈ HK$369K (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).