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$8,521
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,787
−HK$269/mo
Today · 4.125%
HK$9,056
baseline
▲ 0.50% · 4.625%
HK$9,607
+HK$551/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,112/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,480
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,734
−HK$258/mo
Today · 4.125%
HK$9,992
baseline
▲ 0.50% · 4.625%
HK$10,519
+HK$527/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,984/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,226
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,544
−HK$323/mo
Today · 4.125%
HK$10,867
baseline
▲ 0.50% · 4.625%
HK$11,528
+HK$661/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,734/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,376
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,681
−HK$310/mo
Today · 4.125%
HK$11,991
baseline
▲ 0.50% · 4.625%
HK$12,623
+HK$632/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,982/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,930
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,301
−HK$377/mo
Today · 4.125%
HK$12,678
baseline
▲ 0.50% · 4.625%
HK$13,450
+HK$772/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,356/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,272
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,628
−HK$361/mo
Today · 4.125%
HK$13,989
baseline
▲ 0.50% · 4.625%
HK$14,726
+HK$737/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$27,978/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,339
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,816
−HK$484/mo
Today · 4.125%
HK$16,300
baseline
▲ 0.50% · 4.625%
HK$17,292
+HK$992/mo
Deposit HK$374K · loan HK$3.36M · min. income ≈ HK$32,600/mo (50% DSR)
Upfront cash ≈ HK$374K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,064
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,522
−HK$464/mo
Today · 4.125%
HK$17,986
baseline
▲ 0.50% · 4.625%
HK$18,934
+HK$948/mo
Deposit HK$374K · loan HK$3.36M · min. income ≈ HK$35,972/mo (50% DSR)
Upfront cash ≈ HK$374K (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).