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$8,561
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,827
−HK$271/mo
Today · 4.125%
HK$9,098
baseline
▲ 0.50% · 4.625%
HK$9,652
+HK$554/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,196/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,524
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,780
−HK$259/mo
Today · 4.125%
HK$10,039
baseline
▲ 0.50% · 4.625%
HK$10,568
+HK$529/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,078/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,273
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,593
−HK$325/mo
Today · 4.125%
HK$10,918
baseline
▲ 0.50% · 4.625%
HK$11,582
+HK$664/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,836/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,429
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,736
−HK$311/mo
Today · 4.125%
HK$12,047
baseline
▲ 0.50% · 4.625%
HK$12,682
+HK$635/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,094/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,986
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,358
−HK$379/mo
Today · 4.125%
HK$12,737
baseline
▲ 0.50% · 4.625%
HK$13,512
+HK$775/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,474/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,334
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,692
−HK$362/mo
Today · 4.125%
HK$14,054
baseline
▲ 0.50% · 4.625%
HK$14,795
+HK$741/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,108/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,410
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,889
−HK$487/mo
Today · 4.125%
HK$16,376
baseline
▲ 0.50% · 4.625%
HK$17,373
+HK$997/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$32,752/mo (50% DSR)
Upfront cash ≈ HK$376K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,144
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,603
−HK$467/mo
Today · 4.125%
HK$18,070
baseline
▲ 0.50% · 4.625%
HK$19,022
+HK$952/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$36,140/mo (50% DSR)
Upfront cash ≈ HK$376K (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).