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$8,405
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,667
−HK$265/mo
Today · 4.125%
HK$8,932
baseline
▲ 0.50% · 4.625%
HK$9,476
+HK$544/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,864/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$9,351
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,602
−HK$254/mo
Today · 4.125%
HK$9,856
baseline
▲ 0.50% · 4.625%
HK$10,376
+HK$520/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,712/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$10,086
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,400
−HK$319/mo
Today · 4.125%
HK$10,719
baseline
▲ 0.50% · 4.625%
HK$11,371
+HK$652/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,438/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,221
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,522
−HK$305/mo
Today · 4.125%
HK$11,827
baseline
▲ 0.50% · 4.625%
HK$12,451
+HK$624/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,654/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,768
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,134
−HK$371/mo
Today · 4.125%
HK$12,505
baseline
▲ 0.50% · 4.625%
HK$13,266
+HK$761/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,010/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$13,091
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,442
−HK$357/mo
Today · 4.125%
HK$13,799
baseline
▲ 0.50% · 4.625%
HK$14,526
+HK$727/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,598/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$15,130
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,600
−HK$478/mo
Today · 4.125%
HK$16,078
baseline
▲ 0.50% · 4.625%
HK$17,057
+HK$979/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,156/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$16,832
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,283
−HK$458/mo
Today · 4.125%
HK$17,741
baseline
▲ 0.50% · 4.625%
HK$18,676
+HK$935/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,482/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).