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$8,119
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,372
−HK$256/mo
Today · 4.125%
HK$8,628
baseline
▲ 0.50% · 4.625%
HK$9,153
+HK$525/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,256/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$9,032
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,275
−HK$245/mo
Today · 4.125%
HK$9,520
baseline
▲ 0.50% · 4.625%
HK$10,022
+HK$502/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,040/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$9,743
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,046
−HK$308/mo
Today · 4.125%
HK$10,354
baseline
▲ 0.50% · 4.625%
HK$10,984
+HK$630/mo
Deposit HK$1.42M · loan HK$2.14M · min. income ≈ HK$20,708/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,839
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,129
−HK$295/mo
Today · 4.125%
HK$11,424
baseline
▲ 0.50% · 4.625%
HK$12,027
+HK$603/mo
Deposit HK$1.42M · loan HK$2.14M · min. income ≈ HK$22,848/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,367
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,720
−HK$359/mo
Today · 4.125%
HK$12,079
baseline
▲ 0.50% · 4.625%
HK$12,814
+HK$735/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,158/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$12,645
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,984
−HK$344/mo
Today · 4.125%
HK$13,328
baseline
▲ 0.50% · 4.625%
HK$14,031
+HK$703/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,656/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$14,614
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,069
−HK$462/mo
Today · 4.125%
HK$15,531
baseline
▲ 0.50% · 4.625%
HK$16,476
+HK$945/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$31,062/mo (50% DSR)
Upfront cash ≈ HK$356K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,258
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,694
−HK$443/mo
Today · 4.125%
HK$17,137
baseline
▲ 0.50% · 4.625%
HK$18,040
+HK$903/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$34,274/mo (50% DSR)
Upfront cash ≈ HK$356K (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).