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$8,603
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,870
−HK$272/mo
Today · 4.125%
HK$9,142
baseline
▲ 0.50% · 4.625%
HK$9,698
+HK$556/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,284/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,570
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,827
−HK$260/mo
Today · 4.125%
HK$10,087
baseline
▲ 0.50% · 4.625%
HK$10,619
+HK$532/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,174/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,323
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,644
−HK$326/mo
Today · 4.125%
HK$10,970
baseline
▲ 0.50% · 4.625%
HK$11,638
+HK$668/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,940/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,484
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,792
−HK$313/mo
Today · 4.125%
HK$12,105
baseline
▲ 0.50% · 4.625%
HK$12,743
+HK$638/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,210/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,044
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,418
−HK$381/mo
Today · 4.125%
HK$12,799
baseline
▲ 0.50% · 4.625%
HK$13,578
+HK$779/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,598/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$13,398
−HK$724/mo
▼ 0.25% · 3.875%
HK$13,758
−HK$364/mo
Today · 4.125%
HK$14,122
baseline
▲ 0.50% · 4.625%
HK$14,867
+HK$745/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,244/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$15,485
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,966
−HK$490/mo
Today · 4.125%
HK$16,456
baseline
▲ 0.50% · 4.625%
HK$17,457
+HK$1,001/mo
Deposit HK$377K · loan HK$3.40M · min. income ≈ HK$32,912/mo (50% DSR)
Upfront cash ≈ HK$377K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,227
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,689
−HK$468/mo
Today · 4.125%
HK$18,157
baseline
▲ 0.50% · 4.625%
HK$19,114
+HK$957/mo
Deposit HK$377K · loan HK$3.40M · min. income ≈ HK$36,314/mo (50% DSR)
Upfront cash ≈ HK$377K (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).