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$8,364
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,624
−HK$264/mo
Today · 4.125%
HK$8,888
baseline
▲ 0.50% · 4.625%
HK$9,429
+HK$541/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,776/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,305
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,554
−HK$253/mo
Today · 4.125%
HK$9,807
baseline
▲ 0.50% · 4.625%
HK$10,324
+HK$517/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,614/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,037
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,349
−HK$317/mo
Today · 4.125%
HK$10,666
baseline
▲ 0.50% · 4.625%
HK$11,315
+HK$649/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,332/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$11,166
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,465
−HK$304/mo
Today · 4.125%
HK$11,769
baseline
▲ 0.50% · 4.625%
HK$12,389
+HK$620/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,538/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$11,709
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,073
−HK$371/mo
Today · 4.125%
HK$12,444
baseline
▲ 0.50% · 4.625%
HK$13,201
+HK$757/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,888/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,026
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,376
−HK$354/mo
Today · 4.125%
HK$13,730
baseline
▲ 0.50% · 4.625%
HK$14,454
+HK$724/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,460/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,055
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,523
−HK$476/mo
Today · 4.125%
HK$15,999
baseline
▲ 0.50% · 4.625%
HK$16,972
+HK$973/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$31,998/mo (50% DSR)
Upfront cash ≈ HK$367K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,748
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,197
−HK$456/mo
Today · 4.125%
HK$17,653
baseline
▲ 0.50% · 4.625%
HK$18,584
+HK$931/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,306/mo (50% DSR)
Upfront cash ≈ HK$367K (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).