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$8,330
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,589
−HK$263/mo
Today · 4.125%
HK$8,852
baseline
▲ 0.50% · 4.625%
HK$9,390
+HK$538/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,704/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,267
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,515
−HK$252/mo
Today · 4.125%
HK$9,767
baseline
▲ 0.50% · 4.625%
HK$10,282
+HK$515/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,534/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,995
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,306
−HK$316/mo
Today · 4.125%
HK$10,622
baseline
▲ 0.50% · 4.625%
HK$11,269
+HK$647/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,244/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$11,120
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,418
−HK$303/mo
Today · 4.125%
HK$11,721
baseline
▲ 0.50% · 4.625%
HK$12,338
+HK$617/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,442/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$11,661
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,024
−HK$369/mo
Today · 4.125%
HK$12,393
baseline
▲ 0.50% · 4.625%
HK$13,147
+HK$754/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,786/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,973
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,321
−HK$353/mo
Today · 4.125%
HK$13,674
baseline
▲ 0.50% · 4.625%
HK$14,395
+HK$721/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,348/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,993
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,460
−HK$473/mo
Today · 4.125%
HK$15,933
baseline
▲ 0.50% · 4.625%
HK$16,903
+HK$970/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$31,866/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$16,680
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,127
−HK$454/mo
Today · 4.125%
HK$17,581
baseline
▲ 0.50% · 4.625%
HK$18,508
+HK$927/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$35,162/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).