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$8,822
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,096
−HK$279/mo
Today · 4.125%
HK$9,375
baseline
▲ 0.50% · 4.625%
HK$9,945
+HK$570/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,750/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,814
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,077
−HK$267/mo
Today · 4.125%
HK$10,344
baseline
▲ 0.50% · 4.625%
HK$10,889
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,688/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,586
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,915
−HK$335/mo
Today · 4.125%
HK$11,250
baseline
▲ 0.50% · 4.625%
HK$11,934
+HK$684/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,500/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,777
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,093
−HK$320/mo
Today · 4.125%
HK$12,413
baseline
▲ 0.50% · 4.625%
HK$13,067
+HK$654/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,826/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,350
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,734
−HK$391/mo
Today · 4.125%
HK$13,125
baseline
▲ 0.50% · 4.625%
HK$13,923
+HK$798/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,250/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,740
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,108
−HK$374/mo
Today · 4.125%
HK$14,482
baseline
▲ 0.50% · 4.625%
HK$15,245
+HK$763/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,964/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,879
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,373
−HK$502/mo
Today · 4.125%
HK$16,875
baseline
▲ 0.50% · 4.625%
HK$17,901
+HK$1,026/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,750/mo (50% DSR)
Upfront cash ≈ HK$387K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,665
−HK$955/mo
▼ 0.25% · 3.875%
HK$18,139
−HK$481/mo
Today · 4.125%
HK$18,620
baseline
▲ 0.50% · 4.625%
HK$19,601
+HK$981/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,240/mo (50% DSR)
Upfront cash ≈ HK$387K (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).