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$8,202
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,457
−HK$260/mo
Today · 4.125%
HK$8,717
baseline
▲ 0.50% · 4.625%
HK$9,247
+HK$530/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,434/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,125
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,370
−HK$248/mo
Today · 4.125%
HK$9,618
baseline
▲ 0.50% · 4.625%
HK$10,125
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,236/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,843
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,149
−HK$311/mo
Today · 4.125%
HK$10,460
baseline
▲ 0.50% · 4.625%
HK$11,096
+HK$636/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,920/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,950
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,243
−HK$298/mo
Today · 4.125%
HK$11,541
baseline
▲ 0.50% · 4.625%
HK$12,150
+HK$609/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,082/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,483
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,840
−HK$363/mo
Today · 4.125%
HK$12,203
baseline
▲ 0.50% · 4.625%
HK$12,946
+HK$743/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,406/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,775
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,117
−HK$348/mo
Today · 4.125%
HK$13,465
baseline
▲ 0.50% · 4.625%
HK$14,175
+HK$710/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,930/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,764
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,223
−HK$467/mo
Today · 4.125%
HK$15,690
baseline
▲ 0.50% · 4.625%
HK$16,644
+HK$954/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,380/mo (50% DSR)
Upfront cash ≈ HK$360K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,425
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,865
−HK$447/mo
Today · 4.125%
HK$17,312
baseline
▲ 0.50% · 4.625%
HK$18,225
+HK$913/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,624/mo (50% DSR)
Upfront cash ≈ HK$360K (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).