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$8,149
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,403
−HK$257/mo
Today · 4.125%
HK$8,660
baseline
▲ 0.50% · 4.625%
HK$9,187
+HK$527/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,320/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,066
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,309
−HK$247/mo
Today · 4.125%
HK$9,556
baseline
▲ 0.50% · 4.625%
HK$10,059
+HK$503/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,112/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,779
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,083
−HK$309/mo
Today · 4.125%
HK$10,392
baseline
▲ 0.50% · 4.625%
HK$11,025
+HK$633/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,784/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,879
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,171
−HK$296/mo
Today · 4.125%
HK$11,467
baseline
▲ 0.50% · 4.625%
HK$12,071
+HK$604/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,934/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,409
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,764
−HK$360/mo
Today · 4.125%
HK$12,124
baseline
▲ 0.50% · 4.625%
HK$12,862
+HK$738/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,248/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,692
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,033
−HK$345/mo
Today · 4.125%
HK$13,378
baseline
▲ 0.50% · 4.625%
HK$14,083
+HK$705/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,756/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,669
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,125
−HK$463/mo
Today · 4.125%
HK$15,588
baseline
▲ 0.50% · 4.625%
HK$16,537
+HK$949/mo
Deposit HK$357K · loan HK$3.22M · min. income ≈ HK$31,176/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,319
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,756
−HK$444/mo
Today · 4.125%
HK$17,200
baseline
▲ 0.50% · 4.625%
HK$18,107
+HK$907/mo
Deposit HK$357K · loan HK$3.22M · min. income ≈ HK$34,400/mo (50% DSR)
Upfront cash ≈ HK$357K (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).