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$8,965
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,244
−HK$284/mo
Today · 4.125%
HK$9,528
baseline
▲ 0.50% · 4.625%
HK$10,107
+HK$579/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,056/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,974
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,241
−HK$272/mo
Today · 4.125%
HK$10,513
baseline
▲ 0.50% · 4.625%
HK$11,067
+HK$554/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,026/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,759
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,093
−HK$340/mo
Today · 4.125%
HK$11,433
baseline
▲ 0.50% · 4.625%
HK$12,129
+HK$696/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,866/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,969
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,290
−HK$325/mo
Today · 4.125%
HK$12,615
baseline
▲ 0.50% · 4.625%
HK$13,280
+HK$665/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,230/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,552
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,942
−HK$397/mo
Today · 4.125%
HK$13,339
baseline
▲ 0.50% · 4.625%
HK$14,150
+HK$811/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,678/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,964
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,338
−HK$380/mo
Today · 4.125%
HK$14,718
baseline
▲ 0.50% · 4.625%
HK$15,494
+HK$776/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,436/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,138
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,640
−HK$510/mo
Today · 4.125%
HK$17,150
baseline
▲ 0.50% · 4.625%
HK$18,193
+HK$1,043/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,300/mo (50% DSR)
Upfront cash ≈ HK$393K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,953
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,435
−HK$488/mo
Today · 4.125%
HK$18,923
baseline
▲ 0.50% · 4.625%
HK$19,921
+HK$998/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,846/mo (50% DSR)
Upfront cash ≈ HK$393K (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).