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$8,097
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,349
−HK$256/mo
Today · 4.125%
HK$8,605
baseline
▲ 0.50% · 4.625%
HK$9,128
+HK$523/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,210/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,008
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,249
−HK$246/mo
Today · 4.125%
HK$9,495
baseline
▲ 0.50% · 4.625%
HK$9,995
+HK$500/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$18,990/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,716
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,019
−HK$307/mo
Today · 4.125%
HK$10,326
baseline
▲ 0.50% · 4.625%
HK$10,954
+HK$628/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,652/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,809
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,099
−HK$294/mo
Today · 4.125%
HK$11,393
baseline
▲ 0.50% · 4.625%
HK$11,994
+HK$601/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,786/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,336
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,688
−HK$359/mo
Today · 4.125%
HK$12,047
baseline
▲ 0.50% · 4.625%
HK$12,780
+HK$733/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,094/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,611
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,949
−HK$343/mo
Today · 4.125%
HK$13,292
baseline
▲ 0.50% · 4.625%
HK$13,993
+HK$701/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,584/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,575
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,028
−HK$461/mo
Today · 4.125%
HK$15,489
baseline
▲ 0.50% · 4.625%
HK$16,431
+HK$942/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$30,978/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,214
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,649
−HK$441/mo
Today · 4.125%
HK$17,090
baseline
▲ 0.50% · 4.625%
HK$17,991
+HK$901/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$34,180/mo (50% DSR)
Upfront cash ≈ HK$355K (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).