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$7,852
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,096
−HK$248/mo
Today · 4.125%
HK$8,344
baseline
▲ 0.50% · 4.625%
HK$8,852
+HK$508/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,688/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,735
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,969
−HK$238/mo
Today · 4.125%
HK$9,207
baseline
▲ 0.50% · 4.625%
HK$9,692
+HK$485/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,414/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,422
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,715
−HK$298/mo
Today · 4.125%
HK$10,013
baseline
▲ 0.50% · 4.625%
HK$10,622
+HK$609/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,026/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,482
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,763
−HK$285/mo
Today · 4.125%
HK$11,048
baseline
▲ 0.50% · 4.625%
HK$11,631
+HK$583/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,096/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,992
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,334
−HK$348/mo
Today · 4.125%
HK$11,682
baseline
▲ 0.50% · 4.625%
HK$12,392
+HK$710/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,364/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,229
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,557
−HK$333/mo
Today · 4.125%
HK$12,890
baseline
▲ 0.50% · 4.625%
HK$13,569
+HK$679/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,780/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,133
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,573
−HK$446/mo
Today · 4.125%
HK$15,019
baseline
▲ 0.50% · 4.625%
HK$15,933
+HK$914/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$30,038/mo (50% DSR)
Upfront cash ≈ HK$344K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,723
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,144
−HK$428/mo
Today · 4.125%
HK$16,572
baseline
▲ 0.50% · 4.625%
HK$17,446
+HK$874/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$33,144/mo (50% DSR)
Upfront cash ≈ HK$344K (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).