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$7,967
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,214
−HK$252/mo
Today · 4.125%
HK$8,466
baseline
▲ 0.50% · 4.625%
HK$8,981
+HK$515/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,932/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,863
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,100
−HK$241/mo
Today · 4.125%
HK$9,341
baseline
▲ 0.50% · 4.625%
HK$9,834
+HK$493/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,682/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,560
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,857
−HK$302/mo
Today · 4.125%
HK$10,159
baseline
▲ 0.50% · 4.625%
HK$10,777
+HK$618/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,318/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,635
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,920
−HK$290/mo
Today · 4.125%
HK$11,210
baseline
▲ 0.50% · 4.625%
HK$11,801
+HK$591/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,420/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,153
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,500
−HK$353/mo
Today · 4.125%
HK$11,853
baseline
▲ 0.50% · 4.625%
HK$12,574
+HK$721/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,706/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,408
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,740
−HK$338/mo
Today · 4.125%
HK$13,078
baseline
▲ 0.50% · 4.625%
HK$13,767
+HK$689/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,156/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,340
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,786
−HK$453/mo
Today · 4.125%
HK$15,239
baseline
▲ 0.50% · 4.625%
HK$16,166
+HK$927/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,478/mo (50% DSR)
Upfront cash ≈ HK$349K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,953
−HK$862/mo
▼ 0.25% · 3.875%
HK$16,381
−HK$434/mo
Today · 4.125%
HK$16,815
baseline
▲ 0.50% · 4.625%
HK$17,701
+HK$886/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,630/mo (50% DSR)
Upfront cash ≈ HK$349K (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).