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$7,813
−HK$490/mo
▼ 0.25% · 3.875%
HK$8,056
−HK$247/mo
Today · 4.125%
HK$8,303
baseline
▲ 0.50% · 4.625%
HK$8,809
+HK$506/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,606/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,692
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,925
−HK$237/mo
Today · 4.125%
HK$9,162
baseline
▲ 0.50% · 4.625%
HK$9,645
+HK$483/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,324/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,376
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,668
−HK$296/mo
Today · 4.125%
HK$9,964
baseline
▲ 0.50% · 4.625%
HK$10,570
+HK$606/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,928/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,431
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,710
−HK$284/mo
Today · 4.125%
HK$10,994
baseline
▲ 0.50% · 4.625%
HK$11,574
+HK$580/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$21,988/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,939
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,279
−HK$346/mo
Today · 4.125%
HK$11,625
baseline
▲ 0.50% · 4.625%
HK$12,332
+HK$707/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,250/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,169
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,496
−HK$331/mo
Today · 4.125%
HK$12,827
baseline
▲ 0.50% · 4.625%
HK$13,503
+HK$676/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,654/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,064
−HK$882/mo
▼ 0.25% · 3.875%
HK$14,501
−HK$445/mo
Today · 4.125%
HK$14,946
baseline
▲ 0.50% · 4.625%
HK$15,855
+HK$909/mo
Deposit HK$343K · loan HK$3.08M · min. income ≈ HK$29,892/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,646
−HK$845/mo
▼ 0.25% · 3.875%
HK$16,066
−HK$425/mo
Today · 4.125%
HK$16,491
baseline
▲ 0.50% · 4.625%
HK$17,361
+HK$870/mo
Deposit HK$343K · loan HK$3.08M · min. income ≈ HK$32,982/mo (50% DSR)
Upfront cash ≈ HK$343K (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).