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$8,127
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,380
−HK$257/mo
Today · 4.125%
HK$8,637
baseline
▲ 0.50% · 4.625%
HK$9,163
+HK$526/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,274/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,042
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,284
−HK$246/mo
Today · 4.125%
HK$9,530
baseline
▲ 0.50% · 4.625%
HK$10,033
+HK$503/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,060/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,753
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,056
−HK$309/mo
Today · 4.125%
HK$10,365
baseline
▲ 0.50% · 4.625%
HK$10,995
+HK$630/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,730/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,850
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,141
−HK$295/mo
Today · 4.125%
HK$11,436
baseline
▲ 0.50% · 4.625%
HK$12,039
+HK$603/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,872/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,378
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,732
−HK$360/mo
Today · 4.125%
HK$12,092
baseline
▲ 0.50% · 4.625%
HK$12,828
+HK$736/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,184/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,658
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,998
−HK$344/mo
Today · 4.125%
HK$13,342
baseline
▲ 0.50% · 4.625%
HK$14,046
+HK$704/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,684/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,629
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,084
−HK$463/mo
Today · 4.125%
HK$15,547
baseline
▲ 0.50% · 4.625%
HK$16,493
+HK$946/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$31,094/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,275
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,712
−HK$442/mo
Today · 4.125%
HK$17,154
baseline
▲ 0.50% · 4.625%
HK$18,059
+HK$905/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$34,308/mo (50% DSR)
Upfront cash ≈ HK$357K (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).