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$8,472
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,735
−HK$268/mo
Today · 4.125%
HK$9,003
baseline
▲ 0.50% · 4.625%
HK$9,551
+HK$548/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,006/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,424
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,677
−HK$257/mo
Today · 4.125%
HK$9,934
baseline
▲ 0.50% · 4.625%
HK$10,457
+HK$523/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,868/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,166
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,482
−HK$321/mo
Today · 4.125%
HK$10,803
baseline
▲ 0.50% · 4.625%
HK$11,461
+HK$658/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,606/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,309
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,613
−HK$307/mo
Today · 4.125%
HK$11,920
baseline
▲ 0.50% · 4.625%
HK$12,549
+HK$629/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,840/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,860
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,229
−HK$375/mo
Today · 4.125%
HK$12,604
baseline
▲ 0.50% · 4.625%
HK$13,371
+HK$767/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,208/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$13,194
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,548
−HK$359/mo
Today · 4.125%
HK$13,907
baseline
▲ 0.50% · 4.625%
HK$14,640
+HK$733/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,814/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$15,249
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,723
−HK$482/mo
Today · 4.125%
HK$16,205
baseline
▲ 0.50% · 4.625%
HK$17,191
+HK$986/mo
Deposit HK$372K · loan HK$3.34M · min. income ≈ HK$32,410/mo (50% DSR)
Upfront cash ≈ HK$372K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,964
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,419
−HK$462/mo
Today · 4.125%
HK$17,881
baseline
▲ 0.50% · 4.625%
HK$18,823
+HK$942/mo
Deposit HK$372K · loan HK$3.34M · min. income ≈ HK$35,762/mo (50% DSR)
Upfront cash ≈ HK$372K (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).