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$8,541
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,806
−HK$270/mo
Today · 4.125%
HK$9,076
baseline
▲ 0.50% · 4.625%
HK$9,629
+HK$553/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,152/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,501
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,756
−HK$259/mo
Today · 4.125%
HK$10,015
baseline
▲ 0.50% · 4.625%
HK$10,543
+HK$528/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,030/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,249
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,568
−HK$324/mo
Today · 4.125%
HK$10,892
baseline
▲ 0.50% · 4.625%
HK$11,554
+HK$662/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,784/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,402
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,708
−HK$310/mo
Today · 4.125%
HK$12,018
baseline
▲ 0.50% · 4.625%
HK$12,651
+HK$633/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,036/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,957
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,329
−HK$378/mo
Today · 4.125%
HK$12,707
baseline
▲ 0.50% · 4.625%
HK$13,480
+HK$773/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,414/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,302
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,659
−HK$362/mo
Today · 4.125%
HK$14,021
baseline
▲ 0.50% · 4.625%
HK$14,760
+HK$739/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,042/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,373
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,851
−HK$486/mo
Today · 4.125%
HK$16,337
baseline
▲ 0.50% · 4.625%
HK$17,331
+HK$994/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$32,674/mo (50% DSR)
Upfront cash ≈ HK$375K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,103
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,561
−HK$466/mo
Today · 4.125%
HK$18,027
baseline
▲ 0.50% · 4.625%
HK$18,977
+HK$950/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$36,054/mo (50% DSR)
Upfront cash ≈ HK$375K (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).