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$8,458
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,722
−HK$267/mo
Today · 4.125%
HK$8,989
baseline
▲ 0.50% · 4.625%
HK$9,536
+HK$547/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,978/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,410
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,662
−HK$256/mo
Today · 4.125%
HK$9,918
baseline
▲ 0.50% · 4.625%
HK$10,441
+HK$523/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,836/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,150
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,466
−HK$321/mo
Today · 4.125%
HK$10,787
baseline
▲ 0.50% · 4.625%
HK$11,443
+HK$656/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$21,574/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,292
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,595
−HK$307/mo
Today · 4.125%
HK$11,902
baseline
▲ 0.50% · 4.625%
HK$12,529
+HK$627/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$23,804/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,842
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,210
−HK$374/mo
Today · 4.125%
HK$12,584
baseline
▲ 0.50% · 4.625%
HK$13,350
+HK$766/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,168/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$13,174
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,527
−HK$359/mo
Today · 4.125%
HK$13,886
baseline
▲ 0.50% · 4.625%
HK$14,618
+HK$732/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,772/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$15,225
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,699
−HK$481/mo
Today · 4.125%
HK$16,180
baseline
▲ 0.50% · 4.625%
HK$17,165
+HK$985/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,360/mo (50% DSR)
Upfront cash ≈ HK$371K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,938
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,392
−HK$461/mo
Today · 4.125%
HK$17,853
baseline
▲ 0.50% · 4.625%
HK$18,794
+HK$941/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,706/mo (50% DSR)
Upfront cash ≈ HK$371K (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).