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$8,471
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,735
−HK$267/mo
Today · 4.125%
HK$9,002
baseline
▲ 0.50% · 4.625%
HK$9,550
+HK$548/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,004/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,424
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,677
−HK$256/mo
Today · 4.125%
HK$9,933
baseline
▲ 0.50% · 4.625%
HK$10,457
+HK$524/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,866/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,165
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,481
−HK$322/mo
Today · 4.125%
HK$10,803
baseline
▲ 0.50% · 4.625%
HK$11,460
+HK$657/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,606/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,309
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,612
−HK$308/mo
Today · 4.125%
HK$11,920
baseline
▲ 0.50% · 4.625%
HK$12,548
+HK$628/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,840/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,859
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,228
−HK$375/mo
Today · 4.125%
HK$12,603
baseline
▲ 0.50% · 4.625%
HK$13,370
+HK$767/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,206/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$13,194
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,547
−HK$359/mo
Today · 4.125%
HK$13,906
baseline
▲ 0.50% · 4.625%
HK$14,639
+HK$733/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,812/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$15,248
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,722
−HK$482/mo
Today · 4.125%
HK$16,204
baseline
▲ 0.50% · 4.625%
HK$17,190
+HK$986/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,408/mo (50% DSR)
Upfront cash ≈ HK$372K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,963
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,418
−HK$462/mo
Today · 4.125%
HK$17,880
baseline
▲ 0.50% · 4.625%
HK$18,822
+HK$942/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,760/mo (50% DSR)
Upfront cash ≈ HK$372K (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).