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$8,851
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,126
−HK$280/mo
Today · 4.125%
HK$9,406
baseline
▲ 0.50% · 4.625%
HK$9,978
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,812/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,846
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,110
−HK$268/mo
Today · 4.125%
HK$10,378
baseline
▲ 0.50% · 4.625%
HK$10,925
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,756/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,621
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,951
−HK$336/mo
Today · 4.125%
HK$11,287
baseline
▲ 0.50% · 4.625%
HK$11,974
+HK$687/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,574/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,816
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,133
−HK$321/mo
Today · 4.125%
HK$12,454
baseline
▲ 0.50% · 4.625%
HK$13,110
+HK$656/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,908/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,391
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,777
−HK$391/mo
Today · 4.125%
HK$13,168
baseline
▲ 0.50% · 4.625%
HK$13,969
+HK$801/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$26,336/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,785
−HK$745/mo
▼ 0.25% · 3.875%
HK$14,155
−HK$375/mo
Today · 4.125%
HK$14,530
baseline
▲ 0.50% · 4.625%
HK$15,296
+HK$766/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$29,060/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,931
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,427
−HK$503/mo
Today · 4.125%
HK$16,930
baseline
▲ 0.50% · 4.625%
HK$17,961
+HK$1,031/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,860/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,723
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,199
−HK$482/mo
Today · 4.125%
HK$18,681
baseline
▲ 0.50% · 4.625%
HK$19,666
+HK$985/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,362/mo (50% DSR)
Upfront cash ≈ HK$388K (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).