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$8,122
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,374
−HK$257/mo
Today · 4.125%
HK$8,631
baseline
▲ 0.50% · 4.625%
HK$9,156
+HK$525/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,262/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,035
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,277
−HK$246/mo
Today · 4.125%
HK$9,523
baseline
▲ 0.50% · 4.625%
HK$10,025
+HK$502/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,046/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,746
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,049
−HK$308/mo
Today · 4.125%
HK$10,357
baseline
▲ 0.50% · 4.625%
HK$10,987
+HK$630/mo
Deposit HK$1.42M · loan HK$2.14M · min. income ≈ HK$20,714/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,842
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,133
−HK$295/mo
Today · 4.125%
HK$11,428
baseline
▲ 0.50% · 4.625%
HK$12,030
+HK$602/mo
Deposit HK$1.42M · loan HK$2.14M · min. income ≈ HK$22,856/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,370
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,724
−HK$359/mo
Today · 4.125%
HK$12,083
baseline
▲ 0.50% · 4.625%
HK$12,818
+HK$735/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,166/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$12,649
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,988
−HK$345/mo
Today · 4.125%
HK$13,333
baseline
▲ 0.50% · 4.625%
HK$14,035
+HK$702/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,666/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$14,619
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,073
−HK$462/mo
Today · 4.125%
HK$15,535
baseline
▲ 0.50% · 4.625%
HK$16,481
+HK$946/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$31,070/mo (50% DSR)
Upfront cash ≈ HK$356K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,263
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,699
−HK$443/mo
Today · 4.125%
HK$17,142
baseline
▲ 0.50% · 4.625%
HK$18,045
+HK$903/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$34,284/mo (50% DSR)
Upfront cash ≈ HK$356K (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).