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$7,934
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,181
−HK$251/mo
Today · 4.125%
HK$8,432
baseline
▲ 0.50% · 4.625%
HK$8,945
+HK$513/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,864/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$8,827
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,064
−HK$240/mo
Today · 4.125%
HK$9,304
baseline
▲ 0.50% · 4.625%
HK$9,794
+HK$490/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,608/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$9,521
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,817
−HK$301/mo
Today · 4.125%
HK$10,118
baseline
▲ 0.50% · 4.625%
HK$10,734
+HK$616/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,236/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,592
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,876
−HK$289/mo
Today · 4.125%
HK$11,165
baseline
▲ 0.50% · 4.625%
HK$11,753
+HK$588/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,330/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,108
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,454
−HK$351/mo
Today · 4.125%
HK$11,805
baseline
▲ 0.50% · 4.625%
HK$12,523
+HK$718/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$23,610/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,358
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,689
−HK$336/mo
Today · 4.125%
HK$13,025
baseline
▲ 0.50% · 4.625%
HK$13,712
+HK$687/mo
Deposit HK$1.04M · loan HK$2.44M · min. income ≈ HK$26,050/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,282
−HK$896/mo
▼ 0.25% · 3.875%
HK$14,726
−HK$452/mo
Today · 4.125%
HK$15,178
baseline
▲ 0.50% · 4.625%
HK$16,101
+HK$923/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,356/mo (50% DSR)
Upfront cash ≈ HK$348K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,888
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,315
−HK$432/mo
Today · 4.125%
HK$16,747
baseline
▲ 0.50% · 4.625%
HK$17,630
+HK$883/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,494/mo (50% DSR)
Upfront cash ≈ HK$348K (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).