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$8,438
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,700
−HK$267/mo
Today · 4.125%
HK$8,967
baseline
▲ 0.50% · 4.625%
HK$9,513
+HK$546/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,934/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,387
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,639
−HK$255/mo
Today · 4.125%
HK$9,894
baseline
▲ 0.50% · 4.625%
HK$10,416
+HK$522/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,788/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,125
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,440
−HK$320/mo
Today · 4.125%
HK$10,760
baseline
▲ 0.50% · 4.625%
HK$11,415
+HK$655/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,520/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,264
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,567
−HK$306/mo
Today · 4.125%
HK$11,873
baseline
▲ 0.50% · 4.625%
HK$12,499
+HK$626/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,746/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,813
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,180
−HK$374/mo
Today · 4.125%
HK$12,554
baseline
▲ 0.50% · 4.625%
HK$13,318
+HK$764/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,108/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,142
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,494
−HK$358/mo
Today · 4.125%
HK$13,852
baseline
▲ 0.50% · 4.625%
HK$14,582
+HK$730/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,704/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,188
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,661
−HK$480/mo
Today · 4.125%
HK$16,141
baseline
▲ 0.50% · 4.625%
HK$17,123
+HK$982/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,282/mo (50% DSR)
Upfront cash ≈ HK$370K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,897
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,350
−HK$460/mo
Today · 4.125%
HK$17,810
baseline
▲ 0.50% · 4.625%
HK$18,748
+HK$938/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,620/mo (50% DSR)
Upfront cash ≈ HK$370K (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).