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$8,432
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,694
−HK$266/mo
Today · 4.125%
HK$8,960
baseline
▲ 0.50% · 4.625%
HK$9,506
+HK$546/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,920/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$9,380
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,632
−HK$255/mo
Today · 4.125%
HK$9,887
baseline
▲ 0.50% · 4.625%
HK$10,408
+HK$521/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,774/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$10,118
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,433
−HK$320/mo
Today · 4.125%
HK$10,753
baseline
▲ 0.50% · 4.625%
HK$11,407
+HK$654/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,506/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$11,256
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,558
−HK$306/mo
Today · 4.125%
HK$11,864
baseline
▲ 0.50% · 4.625%
HK$12,490
+HK$626/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,728/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$11,804
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,172
−HK$373/mo
Today · 4.125%
HK$12,545
baseline
▲ 0.50% · 4.625%
HK$13,308
+HK$763/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,090/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$13,132
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,485
−HK$357/mo
Today · 4.125%
HK$13,842
baseline
▲ 0.50% · 4.625%
HK$14,571
+HK$729/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,684/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$15,177
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,649
−HK$480/mo
Today · 4.125%
HK$16,129
baseline
▲ 0.50% · 4.625%
HK$17,110
+HK$981/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,258/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$16,884
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,337
−HK$460/mo
Today · 4.125%
HK$17,797
baseline
▲ 0.50% · 4.625%
HK$18,735
+HK$938/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,594/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).