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$7,849
−HK$492/mo
▼ 0.25% · 3.875%
HK$8,093
−HK$248/mo
Today · 4.125%
HK$8,341
baseline
▲ 0.50% · 4.625%
HK$8,849
+HK$508/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$16,682/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,732
−HK$472/mo
▼ 0.25% · 3.875%
HK$8,966
−HK$238/mo
Today · 4.125%
HK$9,204
baseline
▲ 0.50% · 4.625%
HK$9,689
+HK$485/mo
Deposit HK$1.72M · loan HK$1.72M · min. income ≈ HK$18,408/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,419
−HK$591/mo
▼ 0.25% · 3.875%
HK$9,712
−HK$298/mo
Today · 4.125%
HK$10,010
baseline
▲ 0.50% · 4.625%
HK$10,619
+HK$609/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,020/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,479
−HK$566/mo
▼ 0.25% · 3.875%
HK$10,760
−HK$285/mo
Today · 4.125%
HK$11,045
baseline
▲ 0.50% · 4.625%
HK$11,627
+HK$582/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,090/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,989
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,331
−HK$347/mo
Today · 4.125%
HK$11,678
baseline
▲ 0.50% · 4.625%
HK$12,389
+HK$711/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$23,356/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,225
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,553
−HK$333/mo
Today · 4.125%
HK$12,886
baseline
▲ 0.50% · 4.625%
HK$13,565
+HK$679/mo
Deposit HK$1.03M · loan HK$2.41M · min. income ≈ HK$25,772/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,129
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,568
−HK$447/mo
Today · 4.125%
HK$15,015
baseline
▲ 0.50% · 4.625%
HK$15,928
+HK$913/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$30,030/mo (50% DSR)
Upfront cash ≈ HK$344K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,718
−HK$849/mo
▼ 0.25% · 3.875%
HK$16,140
−HK$427/mo
Today · 4.125%
HK$16,567
baseline
▲ 0.50% · 4.625%
HK$17,440
+HK$873/mo
Deposit HK$344K · loan HK$3.10M · min. income ≈ HK$33,134/mo (50% DSR)
Upfront cash ≈ HK$344K (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).