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$8,716
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,987
−HK$276/mo
Today · 4.125%
HK$9,263
baseline
▲ 0.50% · 4.625%
HK$9,826
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,526/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,696
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,957
−HK$263/mo
Today · 4.125%
HK$10,220
baseline
▲ 0.50% · 4.625%
HK$10,759
+HK$539/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,440/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,459
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,785
−HK$330/mo
Today · 4.125%
HK$11,115
baseline
▲ 0.50% · 4.625%
HK$11,791
+HK$676/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,230/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,636
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,948
−HK$316/mo
Today · 4.125%
HK$12,264
baseline
▲ 0.50% · 4.625%
HK$12,911
+HK$647/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,528/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,202
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,582
−HK$386/mo
Today · 4.125%
HK$12,968
baseline
▲ 0.50% · 4.625%
HK$13,757
+HK$789/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,936/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,575
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,939
−HK$369/mo
Today · 4.125%
HK$14,308
baseline
▲ 0.50% · 4.625%
HK$15,063
+HK$755/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,616/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,689
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,177
−HK$496/mo
Today · 4.125%
HK$16,673
baseline
▲ 0.50% · 4.625%
HK$17,687
+HK$1,014/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,346/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,454
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,922
−HK$475/mo
Today · 4.125%
HK$18,397
baseline
▲ 0.50% · 4.625%
HK$19,366
+HK$969/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,794/mo (50% DSR)
Upfront cash ≈ HK$382K (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).