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$8,312
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,571
−HK$263/mo
Today · 4.125%
HK$8,834
baseline
▲ 0.50% · 4.625%
HK$9,371
+HK$537/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,668/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,247
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,495
−HK$252/mo
Today · 4.125%
HK$9,747
baseline
▲ 0.50% · 4.625%
HK$10,261
+HK$514/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,494/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,975
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,285
−HK$315/mo
Today · 4.125%
HK$10,600
baseline
▲ 0.50% · 4.625%
HK$11,245
+HK$645/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,200/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,097
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,394
−HK$302/mo
Today · 4.125%
HK$11,696
baseline
▲ 0.50% · 4.625%
HK$12,313
+HK$617/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,392/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,637
−HK$730/mo
▼ 0.25% · 3.875%
HK$11,999
−HK$368/mo
Today · 4.125%
HK$12,367
baseline
▲ 0.50% · 4.625%
HK$13,119
+HK$752/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,734/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,946
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,293
−HK$353/mo
Today · 4.125%
HK$13,646
baseline
▲ 0.50% · 4.625%
HK$14,365
+HK$719/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,292/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,962
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,428
−HK$472/mo
Today · 4.125%
HK$15,900
baseline
▲ 0.50% · 4.625%
HK$16,868
+HK$968/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$31,800/mo (50% DSR)
Upfront cash ≈ HK$365K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,645
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,092
−HK$452/mo
Today · 4.125%
HK$17,544
baseline
▲ 0.50% · 4.625%
HK$18,469
+HK$925/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$35,088/mo (50% DSR)
Upfront cash ≈ HK$365K (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).