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$8,237
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,493
−HK$261/mo
Today · 4.125%
HK$8,754
baseline
▲ 0.50% · 4.625%
HK$9,286
+HK$532/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,508/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,164
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,409
−HK$250/mo
Today · 4.125%
HK$9,659
baseline
▲ 0.50% · 4.625%
HK$10,168
+HK$509/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,318/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,884
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,192
−HK$312/mo
Today · 4.125%
HK$10,504
baseline
▲ 0.50% · 4.625%
HK$11,143
+HK$639/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$21,008/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,996
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,291
−HK$299/mo
Today · 4.125%
HK$11,590
baseline
▲ 0.50% · 4.625%
HK$12,201
+HK$611/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$23,180/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,532
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,891
−HK$364/mo
Today · 4.125%
HK$12,255
baseline
▲ 0.50% · 4.625%
HK$13,001
+HK$746/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,510/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$12,829
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,173
−HK$349/mo
Today · 4.125%
HK$13,522
baseline
▲ 0.50% · 4.625%
HK$14,235
+HK$713/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,044/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$14,827
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,288
−HK$468/mo
Today · 4.125%
HK$15,756
baseline
▲ 0.50% · 4.625%
HK$16,715
+HK$959/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,512/mo (50% DSR)
Upfront cash ≈ HK$361K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,494
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,937
−HK$449/mo
Today · 4.125%
HK$17,386
baseline
▲ 0.50% · 4.625%
HK$18,302
+HK$916/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,772/mo (50% DSR)
Upfront cash ≈ HK$361K (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).