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$8,154
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,407
−HK$258/mo
Today · 4.125%
HK$8,665
baseline
▲ 0.50% · 4.625%
HK$9,192
+HK$527/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,330/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$9,071
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,314
−HK$247/mo
Today · 4.125%
HK$9,561
baseline
▲ 0.50% · 4.625%
HK$10,065
+HK$504/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,122/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$9,784
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,089
−HK$309/mo
Today · 4.125%
HK$10,398
baseline
▲ 0.50% · 4.625%
HK$11,031
+HK$633/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,796/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$10,885
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,177
−HK$296/mo
Today · 4.125%
HK$11,473
baseline
▲ 0.50% · 4.625%
HK$12,078
+HK$605/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,946/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$11,415
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,770
−HK$361/mo
Today · 4.125%
HK$12,131
baseline
▲ 0.50% · 4.625%
HK$12,869
+HK$738/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,262/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$12,699
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,040
−HK$345/mo
Today · 4.125%
HK$13,385
baseline
▲ 0.50% · 4.625%
HK$14,091
+HK$706/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,770/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$14,676
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,133
−HK$464/mo
Today · 4.125%
HK$15,597
baseline
▲ 0.50% · 4.625%
HK$16,546
+HK$949/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$31,194/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$16,327
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,765
−HK$445/mo
Today · 4.125%
HK$17,210
baseline
▲ 0.50% · 4.625%
HK$18,117
+HK$907/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$34,420/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).