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$8,576
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,843
−HK$271/mo
Today · 4.125%
HK$9,114
baseline
▲ 0.50% · 4.625%
HK$9,669
+HK$555/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,228/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,541
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,797
−HK$260/mo
Today · 4.125%
HK$10,057
baseline
▲ 0.50% · 4.625%
HK$10,587
+HK$530/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,114/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,292
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,612
−HK$325/mo
Today · 4.125%
HK$10,937
baseline
▲ 0.50% · 4.625%
HK$11,602
+HK$665/mo
Deposit HK$1.50M · loan HK$2.26M · min. income ≈ HK$21,874/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,449
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,756
−HK$312/mo
Today · 4.125%
HK$12,068
baseline
▲ 0.50% · 4.625%
HK$12,704
+HK$636/mo
Deposit HK$1.50M · loan HK$2.26M · min. income ≈ HK$24,136/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,007
−HK$753/mo
▼ 0.25% · 3.875%
HK$12,380
−HK$380/mo
Today · 4.125%
HK$12,760
baseline
▲ 0.50% · 4.625%
HK$13,536
+HK$776/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,520/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$13,358
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,716
−HK$363/mo
Today · 4.125%
HK$14,079
baseline
▲ 0.50% · 4.625%
HK$14,821
+HK$742/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,158/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$15,437
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,918
−HK$488/mo
Today · 4.125%
HK$16,406
baseline
▲ 0.50% · 4.625%
HK$17,404
+HK$998/mo
Deposit HK$376K · loan HK$3.39M · min. income ≈ HK$32,812/mo (50% DSR)
Upfront cash ≈ HK$376K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,174
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,635
−HK$467/mo
Today · 4.125%
HK$18,102
baseline
▲ 0.50% · 4.625%
HK$19,056
+HK$954/mo
Deposit HK$376K · loan HK$3.39M · min. income ≈ HK$36,204/mo (50% DSR)
Upfront cash ≈ HK$376K (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).