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$8,679
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,949
−HK$275/mo
Today · 4.125%
HK$9,224
baseline
▲ 0.50% · 4.625%
HK$9,785
+HK$561/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,448/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,656
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,915
−HK$262/mo
Today · 4.125%
HK$10,177
baseline
▲ 0.50% · 4.625%
HK$10,714
+HK$537/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,354/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,415
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,739
−HK$329/mo
Today · 4.125%
HK$11,068
baseline
▲ 0.50% · 4.625%
HK$11,742
+HK$674/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,136/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,587
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,898
−HK$315/mo
Today · 4.125%
HK$12,213
baseline
▲ 0.50% · 4.625%
HK$12,857
+HK$644/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,426/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,151
−HK$762/mo
▼ 0.25% · 3.875%
HK$12,529
−HK$384/mo
Today · 4.125%
HK$12,913
baseline
▲ 0.50% · 4.625%
HK$13,699
+HK$786/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,826/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,518
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,880
−HK$368/mo
Today · 4.125%
HK$14,248
baseline
▲ 0.50% · 4.625%
HK$14,999
+HK$751/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,496/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,623
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,109
−HK$493/mo
Today · 4.125%
HK$16,602
baseline
▲ 0.50% · 4.625%
HK$17,613
+HK$1,011/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,204/mo (50% DSR)
Upfront cash ≈ HK$381K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,380
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,846
−HK$473/mo
Today · 4.125%
HK$18,319
baseline
▲ 0.50% · 4.625%
HK$19,285
+HK$966/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,638/mo (50% DSR)
Upfront cash ≈ HK$381K (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).