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$8,586
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,853
−HK$271/mo
Today · 4.125%
HK$9,124
baseline
▲ 0.50% · 4.625%
HK$9,680
+HK$556/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,248/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,552
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,808
−HK$260/mo
Today · 4.125%
HK$10,068
baseline
▲ 0.50% · 4.625%
HK$10,599
+HK$531/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,136/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,303
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,624
−HK$325/mo
Today · 4.125%
HK$10,949
baseline
▲ 0.50% · 4.625%
HK$11,616
+HK$667/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,898/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,462
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,770
−HK$312/mo
Today · 4.125%
HK$12,082
baseline
▲ 0.50% · 4.625%
HK$12,718
+HK$636/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,164/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,020
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,394
−HK$380/mo
Today · 4.125%
HK$12,774
baseline
▲ 0.50% · 4.625%
HK$13,552
+HK$778/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,548/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,373
−HK$722/mo
▼ 0.25% · 3.875%
HK$13,731
−HK$364/mo
Today · 4.125%
HK$14,095
baseline
▲ 0.50% · 4.625%
HK$14,838
+HK$743/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,190/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,455
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,936
−HK$488/mo
Today · 4.125%
HK$16,424
baseline
▲ 0.50% · 4.625%
HK$17,423
+HK$999/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,848/mo (50% DSR)
Upfront cash ≈ HK$377K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,193
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,655
−HK$467/mo
Today · 4.125%
HK$18,122
baseline
▲ 0.50% · 4.625%
HK$19,078
+HK$956/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,244/mo (50% DSR)
Upfront cash ≈ HK$377K (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).