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$7,975
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,223
−HK$252/mo
Today · 4.125%
HK$8,475
baseline
▲ 0.50% · 4.625%
HK$8,990
+HK$515/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,950/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,872
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,110
−HK$241/mo
Today · 4.125%
HK$9,351
baseline
▲ 0.50% · 4.625%
HK$9,844
+HK$493/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,702/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,569
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,867
−HK$303/mo
Today · 4.125%
HK$10,170
baseline
▲ 0.50% · 4.625%
HK$10,788
+HK$618/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,340/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,646
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,931
−HK$290/mo
Today · 4.125%
HK$11,221
baseline
▲ 0.50% · 4.625%
HK$11,813
+HK$592/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,442/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,164
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,512
−HK$353/mo
Today · 4.125%
HK$11,865
baseline
▲ 0.50% · 4.625%
HK$12,586
+HK$721/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,730/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,420
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,753
−HK$338/mo
Today · 4.125%
HK$13,091
baseline
▲ 0.50% · 4.625%
HK$13,781
+HK$690/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,182/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,354
−HK$900/mo
▼ 0.25% · 3.875%
HK$14,801
−HK$453/mo
Today · 4.125%
HK$15,254
baseline
▲ 0.50% · 4.625%
HK$16,183
+HK$929/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,508/mo (50% DSR)
Upfront cash ≈ HK$350K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,969
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,397
−HK$435/mo
Today · 4.125%
HK$16,832
baseline
▲ 0.50% · 4.625%
HK$17,719
+HK$887/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,664/mo (50% DSR)
Upfront cash ≈ HK$350K (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).