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$8,212
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,468
−HK$259/mo
Today · 4.125%
HK$8,727
baseline
▲ 0.50% · 4.625%
HK$9,258
+HK$531/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,454/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$9,136
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,381
−HK$249/mo
Today · 4.125%
HK$9,630
baseline
▲ 0.50% · 4.625%
HK$10,137
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,260/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$9,855
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,161
−HK$312/mo
Today · 4.125%
HK$10,473
baseline
▲ 0.50% · 4.625%
HK$11,110
+HK$637/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,946/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$10,963
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,257
−HK$299/mo
Today · 4.125%
HK$11,556
baseline
▲ 0.50% · 4.625%
HK$12,165
+HK$609/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,112/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$11,497
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,855
−HK$363/mo
Today · 4.125%
HK$12,218
baseline
▲ 0.50% · 4.625%
HK$12,962
+HK$744/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,436/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$12,791
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,134
−HK$348/mo
Today · 4.125%
HK$13,482
baseline
▲ 0.50% · 4.625%
HK$14,192
+HK$710/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,964/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$14,782
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,242
−HK$467/mo
Today · 4.125%
HK$15,709
baseline
▲ 0.50% · 4.625%
HK$16,665
+HK$956/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,418/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$16,445
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,886
−HK$448/mo
Today · 4.125%
HK$17,334
baseline
▲ 0.50% · 4.625%
HK$18,247
+HK$913/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,668/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).