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$8,888
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,165
−HK$281/mo
Today · 4.125%
HK$9,446
baseline
▲ 0.50% · 4.625%
HK$10,021
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,892/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,888
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,153
−HK$270/mo
Today · 4.125%
HK$10,423
baseline
▲ 0.50% · 4.625%
HK$10,972
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,846/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,666
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,998
−HK$337/mo
Today · 4.125%
HK$11,335
baseline
▲ 0.50% · 4.625%
HK$12,025
+HK$690/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,670/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,866
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,184
−HK$323/mo
Today · 4.125%
HK$12,507
baseline
▲ 0.50% · 4.625%
HK$13,166
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,014/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,444
−HK$780/mo
▼ 0.25% · 3.875%
HK$12,831
−HK$393/mo
Today · 4.125%
HK$13,224
baseline
▲ 0.50% · 4.625%
HK$14,029
+HK$805/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,448/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,844
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,215
−HK$377/mo
Today · 4.125%
HK$14,592
baseline
▲ 0.50% · 4.625%
HK$15,361
+HK$769/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,184/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,999
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,497
−HK$505/mo
Today · 4.125%
HK$17,002
baseline
▲ 0.50% · 4.625%
HK$18,037
+HK$1,035/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,004/mo (50% DSR)
Upfront cash ≈ HK$390K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,799
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,276
−HK$485/mo
Today · 4.125%
HK$18,761
baseline
▲ 0.50% · 4.625%
HK$19,749
+HK$988/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,522/mo (50% DSR)
Upfront cash ≈ HK$390K (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).