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$8,558
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,824
−HK$271/mo
Today · 4.125%
HK$9,095
baseline
▲ 0.50% · 4.625%
HK$9,648
+HK$553/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,190/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,521
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,776
−HK$259/mo
Today · 4.125%
HK$10,035
baseline
▲ 0.50% · 4.625%
HK$10,564
+HK$529/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,070/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,270
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,589
−HK$325/mo
Today · 4.125%
HK$10,914
baseline
▲ 0.50% · 4.625%
HK$11,578
+HK$664/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,828/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,425
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,731
−HK$311/mo
Today · 4.125%
HK$12,042
baseline
▲ 0.50% · 4.625%
HK$12,677
+HK$635/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,084/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,981
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,354
−HK$379/mo
Today · 4.125%
HK$12,733
baseline
▲ 0.50% · 4.625%
HK$13,508
+HK$775/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,466/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$13,329
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,687
−HK$362/mo
Today · 4.125%
HK$14,049
baseline
▲ 0.50% · 4.625%
HK$14,790
+HK$741/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,098/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$15,405
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,884
−HK$487/mo
Today · 4.125%
HK$16,371
baseline
▲ 0.50% · 4.625%
HK$17,367
+HK$996/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$32,742/mo (50% DSR)
Upfront cash ≈ HK$375K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,138
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,597
−HK$466/mo
Today · 4.125%
HK$18,063
baseline
▲ 0.50% · 4.625%
HK$19,016
+HK$953/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$36,126/mo (50% DSR)
Upfront cash ≈ HK$375K (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).