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$8,469
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,733
−HK$267/mo
Today · 4.125%
HK$9,000
baseline
▲ 0.50% · 4.625%
HK$9,548
+HK$548/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,000/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$9,422
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,675
−HK$256/mo
Today · 4.125%
HK$9,931
baseline
▲ 0.50% · 4.625%
HK$10,454
+HK$523/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,862/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$10,163
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,479
−HK$321/mo
Today · 4.125%
HK$10,800
baseline
▲ 0.50% · 4.625%
HK$11,458
+HK$658/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,600/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$11,306
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,609
−HK$308/mo
Today · 4.125%
HK$11,917
baseline
▲ 0.50% · 4.625%
HK$12,545
+HK$628/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,834/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$11,857
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,226
−HK$374/mo
Today · 4.125%
HK$12,600
baseline
▲ 0.50% · 4.625%
HK$13,367
+HK$767/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,200/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$13,191
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,544
−HK$359/mo
Today · 4.125%
HK$13,903
baseline
▲ 0.50% · 4.625%
HK$14,636
+HK$733/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,806/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$15,245
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,719
−HK$482/mo
Today · 4.125%
HK$16,201
baseline
▲ 0.50% · 4.625%
HK$17,186
+HK$985/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,402/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$16,959
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,414
−HK$462/mo
Today · 4.125%
HK$17,876
baseline
▲ 0.50% · 4.625%
HK$18,818
+HK$942/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,752/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).