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$7,790
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,032
−HK$247/mo
Today · 4.125%
HK$8,279
baseline
▲ 0.50% · 4.625%
HK$8,782
+HK$503/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,558/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,666
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,899
−HK$236/mo
Today · 4.125%
HK$9,135
baseline
▲ 0.50% · 4.625%
HK$9,616
+HK$481/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,270/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,348
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,639
−HK$295/mo
Today · 4.125%
HK$9,934
baseline
▲ 0.50% · 4.625%
HK$10,539
+HK$605/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,868/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,400
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,679
−HK$283/mo
Today · 4.125%
HK$10,962
baseline
▲ 0.50% · 4.625%
HK$11,539
+HK$577/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,924/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,906
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,245
−HK$345/mo
Today · 4.125%
HK$11,590
baseline
▲ 0.50% · 4.625%
HK$12,295
+HK$705/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$23,180/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,133
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,458
−HK$330/mo
Today · 4.125%
HK$12,788
baseline
▲ 0.50% · 4.625%
HK$13,463
+HK$675/mo
Deposit HK$1.02M · loan HK$2.39M · min. income ≈ HK$25,576/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,022
−HK$879/mo
▼ 0.25% · 3.875%
HK$14,458
−HK$443/mo
Today · 4.125%
HK$14,901
baseline
▲ 0.50% · 4.625%
HK$15,808
+HK$907/mo
Deposit HK$342K · loan HK$3.07M · min. income ≈ HK$29,802/mo (50% DSR)
Upfront cash ≈ HK$342K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,600
−HK$842/mo
▼ 0.25% · 3.875%
HK$16,018
−HK$424/mo
Today · 4.125%
HK$16,442
baseline
▲ 0.50% · 4.625%
HK$17,309
+HK$867/mo
Deposit HK$342K · loan HK$3.07M · min. income ≈ HK$32,884/mo (50% DSR)
Upfront cash ≈ HK$342K (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).