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$7,924
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,170
−HK$251/mo
Today · 4.125%
HK$8,421
baseline
▲ 0.50% · 4.625%
HK$8,933
+HK$512/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,842/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,815
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,052
−HK$239/mo
Today · 4.125%
HK$9,291
baseline
▲ 0.50% · 4.625%
HK$9,781
+HK$490/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,582/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,509
−HK$596/mo
▼ 0.25% · 3.875%
HK$9,804
−HK$301/mo
Today · 4.125%
HK$10,105
baseline
▲ 0.50% · 4.625%
HK$10,720
+HK$615/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,210/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,578
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,862
−HK$288/mo
Today · 4.125%
HK$11,150
baseline
▲ 0.50% · 4.625%
HK$11,737
+HK$587/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,300/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,093
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,438
−HK$351/mo
Today · 4.125%
HK$11,789
baseline
▲ 0.50% · 4.625%
HK$12,506
+HK$717/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,578/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,341
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,672
−HK$336/mo
Today · 4.125%
HK$13,008
baseline
▲ 0.50% · 4.625%
HK$13,694
+HK$686/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$26,016/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,263
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,706
−HK$451/mo
Today · 4.125%
HK$15,157
baseline
▲ 0.50% · 4.625%
HK$16,080
+HK$923/mo
Deposit HK$347K · loan HK$3.13M · min. income ≈ HK$30,314/mo (50% DSR)
Upfront cash ≈ HK$348K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,867
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,293
−HK$432/mo
Today · 4.125%
HK$16,725
baseline
▲ 0.50% · 4.625%
HK$17,606
+HK$881/mo
Deposit HK$347K · loan HK$3.13M · min. income ≈ HK$33,450/mo (50% DSR)
Upfront cash ≈ HK$348K (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).