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$7,610
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,846
−HK$241/mo
Today · 4.125%
HK$8,087
baseline
▲ 0.50% · 4.625%
HK$8,579
+HK$492/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,174/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,466
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,693
−HK$230/mo
Today · 4.125%
HK$8,923
baseline
▲ 0.50% · 4.625%
HK$9,394
+HK$471/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,846/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,132
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,416
−HK$288/mo
Today · 4.125%
HK$9,704
baseline
▲ 0.50% · 4.625%
HK$10,295
+HK$591/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,408/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,159
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,431
−HK$277/mo
Today · 4.125%
HK$10,708
baseline
▲ 0.50% · 4.625%
HK$11,272
+HK$564/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,416/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,654
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,985
−HK$337/mo
Today · 4.125%
HK$11,322
baseline
▲ 0.50% · 4.625%
HK$12,011
+HK$689/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,644/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,852
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,170
−HK$322/mo
Today · 4.125%
HK$12,492
baseline
▲ 0.50% · 4.625%
HK$13,151
+HK$659/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$24,984/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,698
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,124
−HK$433/mo
Today · 4.125%
HK$14,557
baseline
▲ 0.50% · 4.625%
HK$15,442
+HK$885/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$29,114/mo (50% DSR)
Upfront cash ≈ HK$334K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,238
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,647
−HK$415/mo
Today · 4.125%
HK$16,062
baseline
▲ 0.50% · 4.625%
HK$16,908
+HK$846/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$32,124/mo (50% DSR)
Upfront cash ≈ HK$334K (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).