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$7,626
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,863
−HK$241/mo
Today · 4.125%
HK$8,104
baseline
▲ 0.50% · 4.625%
HK$8,597
+HK$493/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,208/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,483
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,711
−HK$231/mo
Today · 4.125%
HK$8,942
baseline
▲ 0.50% · 4.625%
HK$9,413
+HK$471/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,884/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,151
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,435
−HK$290/mo
Today · 4.125%
HK$9,725
baseline
▲ 0.50% · 4.625%
HK$10,316
+HK$591/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,450/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,180
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,453
−HK$277/mo
Today · 4.125%
HK$10,730
baseline
▲ 0.50% · 4.625%
HK$11,296
+HK$566/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,460/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,676
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,008
−HK$337/mo
Today · 4.125%
HK$11,345
baseline
▲ 0.50% · 4.625%
HK$12,036
+HK$691/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,690/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,877
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,195
−HK$324/mo
Today · 4.125%
HK$12,519
baseline
▲ 0.50% · 4.625%
HK$13,178
+HK$659/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,038/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,726
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,153
−HK$434/mo
Today · 4.125%
HK$14,587
baseline
▲ 0.50% · 4.625%
HK$15,475
+HK$888/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$29,174/mo (50% DSR)
Upfront cash ≈ HK$335K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,270
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,680
−HK$415/mo
Today · 4.125%
HK$16,095
baseline
▲ 0.50% · 4.625%
HK$16,944
+HK$849/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$32,190/mo (50% DSR)
Upfront cash ≈ HK$335K (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).