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$7,957
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,205
−HK$251/mo
Today · 4.125%
HK$8,456
baseline
▲ 0.50% · 4.625%
HK$8,971
+HK$515/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,912/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,852
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,090
−HK$240/mo
Today · 4.125%
HK$9,330
baseline
▲ 0.50% · 4.625%
HK$9,822
+HK$492/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,660/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,549
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,846
−HK$301/mo
Today · 4.125%
HK$10,147
baseline
▲ 0.50% · 4.625%
HK$10,765
+HK$618/mo
Deposit HK$1.40M · loan HK$2.09M · min. income ≈ HK$20,294/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,623
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,908
−HK$289/mo
Today · 4.125%
HK$11,197
baseline
▲ 0.50% · 4.625%
HK$11,787
+HK$590/mo
Deposit HK$1.40M · loan HK$2.09M · min. income ≈ HK$22,394/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,140
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,487
−HK$352/mo
Today · 4.125%
HK$11,839
baseline
▲ 0.50% · 4.625%
HK$12,559
+HK$720/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,678/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,393
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,726
−HK$337/mo
Today · 4.125%
HK$13,063
baseline
▲ 0.50% · 4.625%
HK$13,751
+HK$688/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$26,126/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,323
−HK$898/mo
▼ 0.25% · 3.875%
HK$14,768
−HK$453/mo
Today · 4.125%
HK$15,221
baseline
▲ 0.50% · 4.625%
HK$16,147
+HK$926/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,442/mo (50% DSR)
Upfront cash ≈ HK$349K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,934
−HK$861/mo
▼ 0.25% · 3.875%
HK$16,361
−HK$434/mo
Today · 4.125%
HK$16,795
baseline
▲ 0.50% · 4.625%
HK$17,680
+HK$885/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,590/mo (50% DSR)
Upfront cash ≈ HK$349K (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).