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$8,697
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,968
−HK$275/mo
Today · 4.125%
HK$9,243
baseline
▲ 0.50% · 4.625%
HK$9,805
+HK$562/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,486/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,676
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,935
−HK$264/mo
Today · 4.125%
HK$10,199
baseline
▲ 0.50% · 4.625%
HK$10,736
+HK$537/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,398/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,437
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,762
−HK$329/mo
Today · 4.125%
HK$11,091
baseline
▲ 0.50% · 4.625%
HK$11,766
+HK$675/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,182/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,611
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,922
−HK$316/mo
Today · 4.125%
HK$12,238
baseline
▲ 0.50% · 4.625%
HK$12,883
+HK$645/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,476/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,176
−HK$764/mo
▼ 0.25% · 3.875%
HK$12,555
−HK$385/mo
Today · 4.125%
HK$12,940
baseline
▲ 0.50% · 4.625%
HK$13,727
+HK$787/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,880/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,546
−HK$732/mo
▼ 0.25% · 3.875%
HK$13,909
−HK$369/mo
Today · 4.125%
HK$14,278
baseline
▲ 0.50% · 4.625%
HK$15,031
+HK$753/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,556/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,655
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,142
−HK$495/mo
Today · 4.125%
HK$16,637
baseline
▲ 0.50% · 4.625%
HK$17,649
+HK$1,012/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,274/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,416
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,884
−HK$473/mo
Today · 4.125%
HK$18,357
baseline
▲ 0.50% · 4.625%
HK$19,325
+HK$968/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,714/mo (50% DSR)
Upfront cash ≈ HK$382K (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).