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$7,925
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,172
−HK$250/mo
Today · 4.125%
HK$8,422
baseline
▲ 0.50% · 4.625%
HK$8,935
+HK$513/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,844/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$8,817
−HK$476/mo
▼ 0.25% · 3.875%
HK$9,053
−HK$240/mo
Today · 4.125%
HK$9,293
baseline
▲ 0.50% · 4.625%
HK$9,783
+HK$490/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,586/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$9,510
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,806
−HK$301/mo
Today · 4.125%
HK$10,107
baseline
▲ 0.50% · 4.625%
HK$10,722
+HK$615/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,214/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$10,580
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,864
−HK$288/mo
Today · 4.125%
HK$11,152
baseline
▲ 0.50% · 4.625%
HK$11,740
+HK$588/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,304/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$11,095
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,441
−HK$350/mo
Today · 4.125%
HK$11,791
baseline
▲ 0.50% · 4.625%
HK$12,509
+HK$718/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,582/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$12,344
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,675
−HK$335/mo
Today · 4.125%
HK$13,010
baseline
▲ 0.50% · 4.625%
HK$13,696
+HK$686/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$26,020/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$14,266
−HK$894/mo
▼ 0.25% · 3.875%
HK$14,709
−HK$451/mo
Today · 4.125%
HK$15,160
baseline
▲ 0.50% · 4.625%
HK$16,083
+HK$923/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,320/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$15,870
−HK$858/mo
▼ 0.25% · 3.875%
HK$16,296
−HK$432/mo
Today · 4.125%
HK$16,728
baseline
▲ 0.50% · 4.625%
HK$17,609
+HK$881/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,456/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).