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$8,663
−HK$543/mo
▼ 0.25% · 3.875%
HK$8,932
−HK$274/mo
Today · 4.125%
HK$9,206
baseline
▲ 0.50% · 4.625%
HK$9,766
+HK$560/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,412/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,637
−HK$521/mo
▼ 0.25% · 3.875%
HK$9,896
−HK$262/mo
Today · 4.125%
HK$10,158
baseline
▲ 0.50% · 4.625%
HK$10,694
+HK$536/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,316/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,395
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,719
−HK$328/mo
Today · 4.125%
HK$11,047
baseline
▲ 0.50% · 4.625%
HK$11,720
+HK$673/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,094/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,565
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,875
−HK$315/mo
Today · 4.125%
HK$12,190
baseline
▲ 0.50% · 4.625%
HK$12,832
+HK$642/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,380/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,128
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,505
−HK$384/mo
Today · 4.125%
HK$12,889
baseline
▲ 0.50% · 4.625%
HK$13,673
+HK$784/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,778/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,492
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,854
−HK$367/mo
Today · 4.125%
HK$14,221
baseline
▲ 0.50% · 4.625%
HK$14,971
+HK$750/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,442/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,593
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,078
−HK$493/mo
Today · 4.125%
HK$16,571
baseline
▲ 0.50% · 4.625%
HK$17,579
+HK$1,008/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$33,142/mo (50% DSR)
Upfront cash ≈ HK$380K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,347
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,813
−HK$472/mo
Today · 4.125%
HK$18,285
baseline
▲ 0.50% · 4.625%
HK$19,248
+HK$963/mo
Deposit HK$380K · loan HK$3.42M · min. income ≈ HK$36,570/mo (50% DSR)
Upfront cash ≈ HK$380K (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).