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$8,495
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,760
−HK$268/mo
Today · 4.125%
HK$9,028
baseline
▲ 0.50% · 4.625%
HK$9,577
+HK$549/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,056/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$9,451
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,704
−HK$258/mo
Today · 4.125%
HK$9,962
baseline
▲ 0.50% · 4.625%
HK$10,487
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,924/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$10,194
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,511
−HK$323/mo
Today · 4.125%
HK$10,834
baseline
▲ 0.50% · 4.625%
HK$11,493
+HK$659/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,668/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$11,341
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,645
−HK$309/mo
Today · 4.125%
HK$11,954
baseline
▲ 0.50% · 4.625%
HK$12,584
+HK$630/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,908/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$11,893
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,263
−HK$376/mo
Today · 4.125%
HK$12,639
baseline
▲ 0.50% · 4.625%
HK$13,408
+HK$769/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,278/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,231
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,586
−HK$360/mo
Today · 4.125%
HK$13,946
baseline
▲ 0.50% · 4.625%
HK$14,681
+HK$735/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,892/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,292
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,767
−HK$483/mo
Today · 4.125%
HK$16,250
baseline
▲ 0.50% · 4.625%
HK$17,239
+HK$989/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$32,500/mo (50% DSR)
Upfront cash ≈ HK$373K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,012
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,468
−HK$463/mo
Today · 4.125%
HK$17,931
baseline
▲ 0.50% · 4.625%
HK$18,876
+HK$945/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$35,862/mo (50% DSR)
Upfront cash ≈ HK$373K (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).