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$8,158
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,412
−HK$258/mo
Today · 4.125%
HK$8,670
baseline
▲ 0.50% · 4.625%
HK$9,198
+HK$528/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,340/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,076
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,320
−HK$247/mo
Today · 4.125%
HK$9,567
baseline
▲ 0.50% · 4.625%
HK$10,071
+HK$504/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,134/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,790
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,095
−HK$309/mo
Today · 4.125%
HK$10,404
baseline
▲ 0.50% · 4.625%
HK$11,037
+HK$633/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,808/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,891
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,184
−HK$296/mo
Today · 4.125%
HK$11,480
baseline
▲ 0.50% · 4.625%
HK$12,085
+HK$605/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,960/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,422
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,777
−HK$361/mo
Today · 4.125%
HK$12,138
baseline
▲ 0.50% · 4.625%
HK$12,877
+HK$739/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,276/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$12,707
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,047
−HK$346/mo
Today · 4.125%
HK$13,393
baseline
▲ 0.50% · 4.625%
HK$14,099
+HK$706/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,786/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$14,685
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,142
−HK$464/mo
Today · 4.125%
HK$15,606
baseline
▲ 0.50% · 4.625%
HK$16,556
+HK$950/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$31,212/mo (50% DSR)
Upfront cash ≈ HK$358K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,337
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,775
−HK$445/mo
Today · 4.125%
HK$17,220
baseline
▲ 0.50% · 4.625%
HK$18,128
+HK$908/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$34,440/mo (50% DSR)
Upfront cash ≈ HK$358K (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).