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$8,441
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,703
−HK$267/mo
Today · 4.125%
HK$8,970
baseline
▲ 0.50% · 4.625%
HK$9,516
+HK$546/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,940/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$9,390
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,642
−HK$256/mo
Today · 4.125%
HK$9,898
baseline
▲ 0.50% · 4.625%
HK$10,419
+HK$521/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,796/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$10,129
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,444
−HK$320/mo
Today · 4.125%
HK$10,764
baseline
▲ 0.50% · 4.625%
HK$11,419
+HK$655/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,528/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$11,268
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,570
−HK$307/mo
Today · 4.125%
HK$11,877
baseline
▲ 0.50% · 4.625%
HK$12,503
+HK$626/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,754/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$11,817
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,185
−HK$373/mo
Today · 4.125%
HK$12,558
baseline
▲ 0.50% · 4.625%
HK$13,322
+HK$764/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,116/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$13,146
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,499
−HK$358/mo
Today · 4.125%
HK$13,857
baseline
▲ 0.50% · 4.625%
HK$14,587
+HK$730/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,714/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$15,193
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,666
−HK$480/mo
Today · 4.125%
HK$16,146
baseline
▲ 0.50% · 4.625%
HK$17,128
+HK$982/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,292/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$16,902
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,356
−HK$460/mo
Today · 4.125%
HK$17,816
baseline
▲ 0.50% · 4.625%
HK$18,755
+HK$939/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,632/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).