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$8,356
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,615
−HK$264/mo
Today · 4.125%
HK$8,879
baseline
▲ 0.50% · 4.625%
HK$9,420
+HK$541/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,758/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,295
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,545
−HK$253/mo
Today · 4.125%
HK$9,798
baseline
▲ 0.50% · 4.625%
HK$10,314
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,596/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,027
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,339
−HK$316/mo
Today · 4.125%
HK$10,655
baseline
▲ 0.50% · 4.625%
HK$11,304
+HK$649/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,310/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,155
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,454
−HK$303/mo
Today · 4.125%
HK$11,757
baseline
▲ 0.50% · 4.625%
HK$12,377
+HK$620/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,514/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,698
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,062
−HK$369/mo
Today · 4.125%
HK$12,431
baseline
▲ 0.50% · 4.625%
HK$13,188
+HK$757/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,862/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,014
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,363
−HK$354/mo
Today · 4.125%
HK$13,717
baseline
▲ 0.50% · 4.625%
HK$14,440
+HK$723/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,434/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,040
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,508
−HK$475/mo
Today · 4.125%
HK$15,983
baseline
▲ 0.50% · 4.625%
HK$16,956
+HK$973/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$31,966/mo (50% DSR)
Upfront cash ≈ HK$367K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,732
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,181
−HK$455/mo
Today · 4.125%
HK$17,636
baseline
▲ 0.50% · 4.625%
HK$18,565
+HK$929/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$35,272/mo (50% DSR)
Upfront cash ≈ HK$367K (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).