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$8,195
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,450
−HK$259/mo
Today · 4.125%
HK$8,709
baseline
▲ 0.50% · 4.625%
HK$9,239
+HK$530/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,418/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,117
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,362
−HK$248/mo
Today · 4.125%
HK$9,610
baseline
▲ 0.50% · 4.625%
HK$10,116
+HK$506/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,220/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,834
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,140
−HK$311/mo
Today · 4.125%
HK$10,451
baseline
▲ 0.50% · 4.625%
HK$11,087
+HK$636/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,902/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,940
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,234
−HK$298/mo
Today · 4.125%
HK$11,532
baseline
▲ 0.50% · 4.625%
HK$12,139
+HK$607/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,064/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,473
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,830
−HK$363/mo
Today · 4.125%
HK$12,193
baseline
▲ 0.50% · 4.625%
HK$12,935
+HK$742/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,386/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,764
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,106
−HK$347/mo
Today · 4.125%
HK$13,453
baseline
▲ 0.50% · 4.625%
HK$14,163
+HK$710/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,906/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,751
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,210
−HK$466/mo
Today · 4.125%
HK$15,676
baseline
▲ 0.50% · 4.625%
HK$16,630
+HK$954/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,352/mo (50% DSR)
Upfront cash ≈ HK$359K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,411
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,851
−HK$446/mo
Today · 4.125%
HK$17,297
baseline
▲ 0.50% · 4.625%
HK$18,209
+HK$912/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,594/mo (50% DSR)
Upfront cash ≈ HK$359K (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).