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$8,758
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,031
−HK$276/mo
Today · 4.125%
HK$9,307
baseline
▲ 0.50% · 4.625%
HK$9,874
+HK$567/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,614/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,743
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,005
−HK$265/mo
Today · 4.125%
HK$10,270
baseline
▲ 0.50% · 4.625%
HK$10,811
+HK$541/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,540/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,510
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,837
−HK$332/mo
Today · 4.125%
HK$11,169
baseline
▲ 0.50% · 4.625%
HK$11,849
+HK$680/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$22,338/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,692
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,006
−HK$318/mo
Today · 4.125%
HK$12,324
baseline
▲ 0.50% · 4.625%
HK$12,973
+HK$649/mo
Deposit HK$1.54M · loan HK$2.30M · min. income ≈ HK$24,648/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,262
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,643
−HK$387/mo
Today · 4.125%
HK$13,030
baseline
▲ 0.50% · 4.625%
HK$13,823
+HK$793/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,060/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,641
−HK$737/mo
▼ 0.25% · 3.875%
HK$14,007
−HK$371/mo
Today · 4.125%
HK$14,378
baseline
▲ 0.50% · 4.625%
HK$15,136
+HK$758/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,756/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,765
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,255
−HK$498/mo
Today · 4.125%
HK$16,753
baseline
▲ 0.50% · 4.625%
HK$17,773
+HK$1,020/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$33,506/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,538
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,009
−HK$477/mo
Today · 4.125%
HK$18,486
baseline
▲ 0.50% · 4.625%
HK$19,460
+HK$974/mo
Deposit HK$384K · loan HK$3.46M · min. income ≈ HK$36,972/mo (50% DSR)
Upfront cash ≈ HK$384K (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).