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$8,464
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,728
−HK$267/mo
Today · 4.125%
HK$8,995
baseline
▲ 0.50% · 4.625%
HK$9,542
+HK$547/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$17,990/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$9,416
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,669
−HK$256/mo
Today · 4.125%
HK$9,925
baseline
▲ 0.50% · 4.625%
HK$10,448
+HK$523/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,850/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$10,157
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,473
−HK$321/mo
Today · 4.125%
HK$10,794
baseline
▲ 0.50% · 4.625%
HK$11,451
+HK$657/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$21,588/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$11,300
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,603
−HK$307/mo
Today · 4.125%
HK$11,910
baseline
▲ 0.50% · 4.625%
HK$12,538
+HK$628/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$23,820/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$11,850
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,219
−HK$374/mo
Today · 4.125%
HK$12,593
baseline
▲ 0.50% · 4.625%
HK$13,359
+HK$766/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,186/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$13,183
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,537
−HK$358/mo
Today · 4.125%
HK$13,895
baseline
▲ 0.50% · 4.625%
HK$14,628
+HK$733/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,790/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$15,236
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,710
−HK$481/mo
Today · 4.125%
HK$16,191
baseline
▲ 0.50% · 4.625%
HK$17,176
+HK$985/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,382/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$16,950
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,404
−HK$461/mo
Today · 4.125%
HK$17,865
baseline
▲ 0.50% · 4.625%
HK$18,807
+HK$942/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,730/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).