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$8,620
−HK$541/mo
▼ 0.25% · 3.875%
HK$8,888
−HK$273/mo
Today · 4.125%
HK$9,161
baseline
▲ 0.50% · 4.625%
HK$9,718
+HK$557/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,322/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,590
−HK$518/mo
▼ 0.25% · 3.875%
HK$9,847
−HK$261/mo
Today · 4.125%
HK$10,108
baseline
▲ 0.50% · 4.625%
HK$10,641
+HK$533/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,216/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,344
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,666
−HK$327/mo
Today · 4.125%
HK$10,993
baseline
▲ 0.50% · 4.625%
HK$11,662
+HK$669/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$21,986/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,508
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,816
−HK$313/mo
Today · 4.125%
HK$12,129
baseline
▲ 0.50% · 4.625%
HK$12,769
+HK$640/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,258/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,068
−HK$757/mo
▼ 0.25% · 3.875%
HK$12,443
−HK$382/mo
Today · 4.125%
HK$12,825
baseline
▲ 0.50% · 4.625%
HK$13,605
+HK$780/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$25,650/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,426
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,786
−HK$365/mo
Today · 4.125%
HK$14,151
baseline
▲ 0.50% · 4.625%
HK$14,897
+HK$746/mo
Deposit HK$1.13M · loan HK$2.65M · min. income ≈ HK$28,302/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,516
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,999
−HK$490/mo
Today · 4.125%
HK$16,489
baseline
▲ 0.50% · 4.625%
HK$17,492
+HK$1,003/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,978/mo (50% DSR)
Upfront cash ≈ HK$378K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,262
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,724
−HK$470/mo
Today · 4.125%
HK$18,194
baseline
▲ 0.50% · 4.625%
HK$19,153
+HK$959/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,388/mo (50% DSR)
Upfront cash ≈ HK$378K (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).