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$7,800
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,043
−HK$246/mo
Today · 4.125%
HK$8,289
baseline
▲ 0.50% · 4.625%
HK$8,794
+HK$505/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,578/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$8,678
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,910
−HK$236/mo
Today · 4.125%
HK$9,146
baseline
▲ 0.50% · 4.625%
HK$9,629
+HK$483/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,292/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$9,360
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,651
−HK$296/mo
Today · 4.125%
HK$9,947
baseline
▲ 0.50% · 4.625%
HK$10,552
+HK$605/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,894/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$10,413
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,692
−HK$284/mo
Today · 4.125%
HK$10,976
baseline
▲ 0.50% · 4.625%
HK$11,554
+HK$578/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,952/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$10,920
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,260
−HK$345/mo
Today · 4.125%
HK$11,605
baseline
▲ 0.50% · 4.625%
HK$12,311
+HK$706/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$23,210/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,149
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,474
−HK$331/mo
Today · 4.125%
HK$12,805
baseline
▲ 0.50% · 4.625%
HK$13,480
+HK$675/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$25,610/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,040
−HK$881/mo
▼ 0.25% · 3.875%
HK$14,477
−HK$444/mo
Today · 4.125%
HK$14,921
baseline
▲ 0.50% · 4.625%
HK$15,829
+HK$908/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,842/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$15,620
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,039
−HK$425/mo
Today · 4.125%
HK$16,464
baseline
▲ 0.50% · 4.625%
HK$17,331
+HK$867/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,928/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).