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$8,569
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,835
−HK$271/mo
Today · 4.125%
HK$9,106
baseline
▲ 0.50% · 4.625%
HK$9,660
+HK$554/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,212/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,533
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,788
−HK$260/mo
Today · 4.125%
HK$10,048
baseline
▲ 0.50% · 4.625%
HK$10,577
+HK$529/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,096/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,282
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,602
−HK$325/mo
Today · 4.125%
HK$10,927
baseline
▲ 0.50% · 4.625%
HK$11,592
+HK$665/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,854/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$11,439
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,746
−HK$311/mo
Today · 4.125%
HK$12,057
baseline
▲ 0.50% · 4.625%
HK$12,693
+HK$636/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,114/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$11,996
−HK$752/mo
▼ 0.25% · 3.875%
HK$12,369
−HK$379/mo
Today · 4.125%
HK$12,748
baseline
▲ 0.50% · 4.625%
HK$13,524
+HK$776/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,496/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,346
−HK$721/mo
▼ 0.25% · 3.875%
HK$13,704
−HK$363/mo
Today · 4.125%
HK$14,067
baseline
▲ 0.50% · 4.625%
HK$14,808
+HK$741/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,134/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,424
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,903
−HK$488/mo
Today · 4.125%
HK$16,391
baseline
▲ 0.50% · 4.625%
HK$17,388
+HK$997/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$32,782/mo (50% DSR)
Upfront cash ≈ HK$376K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,159
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,619
−HK$467/mo
Today · 4.125%
HK$18,086
baseline
▲ 0.50% · 4.625%
HK$19,039
+HK$953/mo
Deposit HK$376K · loan HK$3.38M · min. income ≈ HK$36,172/mo (50% DSR)
Upfront cash ≈ HK$376K (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).