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$8,716
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,988
−HK$275/mo
Today · 4.125%
HK$9,263
baseline
▲ 0.50% · 4.625%
HK$9,827
+HK$564/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,526/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,697
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,957
−HK$264/mo
Today · 4.125%
HK$10,221
baseline
▲ 0.50% · 4.625%
HK$10,760
+HK$539/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,442/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,460
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,785
−HK$331/mo
Today · 4.125%
HK$11,116
baseline
▲ 0.50% · 4.625%
HK$11,792
+HK$676/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,232/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,636
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,948
−HK$317/mo
Today · 4.125%
HK$12,265
baseline
▲ 0.50% · 4.625%
HK$12,912
+HK$647/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,530/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,203
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,583
−HK$385/mo
Today · 4.125%
HK$12,968
baseline
▲ 0.50% · 4.625%
HK$13,757
+HK$789/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,936/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,576
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,940
−HK$369/mo
Today · 4.125%
HK$14,309
baseline
▲ 0.50% · 4.625%
HK$15,064
+HK$755/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,618/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,690
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,178
−HK$496/mo
Today · 4.125%
HK$16,674
baseline
▲ 0.50% · 4.625%
HK$17,688
+HK$1,014/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,348/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,455
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,923
−HK$475/mo
Today · 4.125%
HK$18,398
baseline
▲ 0.50% · 4.625%
HK$19,367
+HK$969/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,796/mo (50% DSR)
Upfront cash ≈ HK$382K (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).