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$7,860
−HK$493/mo
▼ 0.25% · 3.875%
HK$8,104
−HK$249/mo
Today · 4.125%
HK$8,353
baseline
▲ 0.50% · 4.625%
HK$8,861
+HK$508/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,706/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$8,744
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,979
−HK$237/mo
Today · 4.125%
HK$9,216
baseline
▲ 0.50% · 4.625%
HK$9,702
+HK$486/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,432/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$9,432
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,725
−HK$298/mo
Today · 4.125%
HK$10,023
baseline
▲ 0.50% · 4.625%
HK$10,633
+HK$610/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,046/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$10,493
−HK$567/mo
▼ 0.25% · 3.875%
HK$10,774
−HK$286/mo
Today · 4.125%
HK$11,060
baseline
▲ 0.50% · 4.625%
HK$11,643
+HK$583/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,120/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$11,004
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,346
−HK$348/mo
Today · 4.125%
HK$11,694
baseline
▲ 0.50% · 4.625%
HK$12,405
+HK$711/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,388/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$12,242
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,570
−HK$333/mo
Today · 4.125%
HK$12,903
baseline
▲ 0.50% · 4.625%
HK$13,583
+HK$680/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,806/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$14,148
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,588
−HK$447/mo
Today · 4.125%
HK$15,035
baseline
▲ 0.50% · 4.625%
HK$15,950
+HK$915/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$30,070/mo (50% DSR)
Upfront cash ≈ HK$345K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,739
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,161
−HK$429/mo
Today · 4.125%
HK$16,590
baseline
▲ 0.50% · 4.625%
HK$17,464
+HK$874/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$33,180/mo (50% DSR)
Upfront cash ≈ HK$345K (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).