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$8,468
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,731
−HK$268/mo
Today · 4.125%
HK$8,999
baseline
▲ 0.50% · 4.625%
HK$9,546
+HK$547/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$17,998/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$9,420
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,673
−HK$256/mo
Today · 4.125%
HK$9,929
baseline
▲ 0.50% · 4.625%
HK$10,453
+HK$524/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,858/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$10,161
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,477
−HK$321/mo
Today · 4.125%
HK$10,798
baseline
▲ 0.50% · 4.625%
HK$11,455
+HK$657/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,596/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$11,304
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,607
−HK$308/mo
Today · 4.125%
HK$11,915
baseline
▲ 0.50% · 4.625%
HK$12,543
+HK$628/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,830/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$11,855
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,224
−HK$374/mo
Today · 4.125%
HK$12,598
baseline
▲ 0.50% · 4.625%
HK$13,365
+HK$767/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,196/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$13,188
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,542
−HK$359/mo
Today · 4.125%
HK$13,901
baseline
▲ 0.50% · 4.625%
HK$14,634
+HK$733/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,802/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$15,242
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,716
−HK$482/mo
Today · 4.125%
HK$16,198
baseline
▲ 0.50% · 4.625%
HK$17,183
+HK$985/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,396/mo (50% DSR)
Upfront cash ≈ HK$371K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,956
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,411
−HK$462/mo
Today · 4.125%
HK$17,873
baseline
▲ 0.50% · 4.625%
HK$18,815
+HK$942/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,746/mo (50% DSR)
Upfront cash ≈ HK$371K (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).