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$7,907
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,153
−HK$250/mo
Today · 4.125%
HK$8,403
baseline
▲ 0.50% · 4.625%
HK$8,914
+HK$511/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,806/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,796
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,032
−HK$240/mo
Today · 4.125%
HK$9,272
baseline
▲ 0.50% · 4.625%
HK$9,760
+HK$488/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,544/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,488
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,784
−HK$299/mo
Today · 4.125%
HK$10,083
baseline
▲ 0.50% · 4.625%
HK$10,697
+HK$614/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,166/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,556
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,839
−HK$287/mo
Today · 4.125%
HK$11,126
baseline
▲ 0.50% · 4.625%
HK$11,712
+HK$586/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,252/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,070
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,414
−HK$350/mo
Today · 4.125%
HK$11,764
baseline
▲ 0.50% · 4.625%
HK$12,480
+HK$716/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,528/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,315
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,645
−HK$335/mo
Today · 4.125%
HK$12,980
baseline
▲ 0.50% · 4.625%
HK$13,665
+HK$685/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,960/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,233
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,675
−HK$450/mo
Today · 4.125%
HK$15,125
baseline
▲ 0.50% · 4.625%
HK$16,045
+HK$920/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,250/mo (50% DSR)
Upfront cash ≈ HK$347K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,834
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,258
−HK$431/mo
Today · 4.125%
HK$16,689
baseline
▲ 0.50% · 4.625%
HK$17,569
+HK$880/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,378/mo (50% DSR)
Upfront cash ≈ HK$347K (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).