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$7,650
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,888
−HK$242/mo
Today · 4.125%
HK$8,130
baseline
▲ 0.50% · 4.625%
HK$8,624
+HK$494/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,260/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,511
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,739
−HK$231/mo
Today · 4.125%
HK$8,970
baseline
▲ 0.50% · 4.625%
HK$9,443
+HK$473/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,940/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,180
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,466
−HK$290/mo
Today · 4.125%
HK$9,756
baseline
▲ 0.50% · 4.625%
HK$10,349
+HK$593/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,512/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,213
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,487
−HK$277/mo
Today · 4.125%
HK$10,764
baseline
▲ 0.50% · 4.625%
HK$11,332
+HK$568/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,528/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,710
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,043
−HK$339/mo
Today · 4.125%
HK$11,382
baseline
▲ 0.50% · 4.625%
HK$12,074
+HK$692/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,764/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,915
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,234
−HK$325/mo
Today · 4.125%
HK$12,559
baseline
▲ 0.50% · 4.625%
HK$13,221
+HK$662/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,118/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,770
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,198
−HK$436/mo
Today · 4.125%
HK$14,634
baseline
▲ 0.50% · 4.625%
HK$15,524
+HK$890/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$29,268/mo (50% DSR)
Upfront cash ≈ HK$336K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,319
−HK$828/mo
▼ 0.25% · 3.875%
HK$15,730
−HK$417/mo
Today · 4.125%
HK$16,147
baseline
▲ 0.50% · 4.625%
HK$16,998
+HK$851/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$32,294/mo (50% DSR)
Upfront cash ≈ HK$336K (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).