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$8,120
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,373
−HK$257/mo
Today · 4.125%
HK$8,630
baseline
▲ 0.50% · 4.625%
HK$9,155
+HK$525/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,260/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,034
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,276
−HK$246/mo
Today · 4.125%
HK$9,522
baseline
▲ 0.50% · 4.625%
HK$10,024
+HK$502/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,044/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,744
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,048
−HK$307/mo
Today · 4.125%
HK$10,355
baseline
▲ 0.50% · 4.625%
HK$10,986
+HK$631/mo
Deposit HK$1.42M · loan HK$2.14M · min. income ≈ HK$20,710/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,841
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,131
−HK$295/mo
Today · 4.125%
HK$11,426
baseline
▲ 0.50% · 4.625%
HK$12,029
+HK$603/mo
Deposit HK$1.42M · loan HK$2.14M · min. income ≈ HK$22,852/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,368
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,722
−HK$359/mo
Today · 4.125%
HK$12,081
baseline
▲ 0.50% · 4.625%
HK$12,817
+HK$736/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,162/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,647
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,987
−HK$344/mo
Today · 4.125%
HK$13,331
baseline
▲ 0.50% · 4.625%
HK$14,033
+HK$702/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,662/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,617
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,071
−HK$462/mo
Today · 4.125%
HK$15,533
baseline
▲ 0.50% · 4.625%
HK$16,478
+HK$945/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$31,066/mo (50% DSR)
Upfront cash ≈ HK$356K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,261
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,697
−HK$442/mo
Today · 4.125%
HK$17,139
baseline
▲ 0.50% · 4.625%
HK$18,043
+HK$904/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$34,278/mo (50% DSR)
Upfront cash ≈ HK$356K (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).