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$7,979
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,227
−HK$252/mo
Today · 4.125%
HK$8,479
baseline
▲ 0.50% · 4.625%
HK$8,995
+HK$516/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,958/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,876
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,114
−HK$242/mo
Today · 4.125%
HK$9,356
baseline
▲ 0.50% · 4.625%
HK$9,849
+HK$493/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,712/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,575
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,872
−HK$303/mo
Today · 4.125%
HK$10,175
baseline
▲ 0.50% · 4.625%
HK$10,794
+HK$619/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,350/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,652
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,937
−HK$290/mo
Today · 4.125%
HK$11,227
baseline
▲ 0.50% · 4.625%
HK$11,819
+HK$592/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,454/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,170
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,518
−HK$353/mo
Today · 4.125%
HK$11,871
baseline
▲ 0.50% · 4.625%
HK$12,593
+HK$722/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,742/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,427
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,760
−HK$338/mo
Today · 4.125%
HK$13,098
baseline
▲ 0.50% · 4.625%
HK$13,789
+HK$691/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,196/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,362
−HK$901/mo
▼ 0.25% · 3.875%
HK$14,809
−HK$454/mo
Today · 4.125%
HK$15,263
baseline
▲ 0.50% · 4.625%
HK$16,191
+HK$928/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$30,526/mo (50% DSR)
Upfront cash ≈ HK$350K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,978
−HK$863/mo
▼ 0.25% · 3.875%
HK$16,406
−HK$435/mo
Today · 4.125%
HK$16,841
baseline
▲ 0.50% · 4.625%
HK$17,728
+HK$887/mo
Deposit HK$350K · loan HK$3.15M · min. income ≈ HK$33,682/mo (50% DSR)
Upfront cash ≈ HK$350K (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).