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$7,640
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,878
−HK$241/mo
Today · 4.125%
HK$8,119
baseline
▲ 0.50% · 4.625%
HK$8,613
+HK$494/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,238/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,499
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,727
−HK$232/mo
Today · 4.125%
HK$8,959
baseline
▲ 0.50% · 4.625%
HK$9,431
+HK$472/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,918/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,168
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,453
−HK$290/mo
Today · 4.125%
HK$9,743
baseline
▲ 0.50% · 4.625%
HK$10,336
+HK$593/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,486/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,199
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,473
−HK$277/mo
Today · 4.125%
HK$10,750
baseline
▲ 0.50% · 4.625%
HK$11,317
+HK$567/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,500/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,696
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,029
−HK$338/mo
Today · 4.125%
HK$11,367
baseline
▲ 0.50% · 4.625%
HK$12,058
+HK$691/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,734/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,899
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,218
−HK$324/mo
Today · 4.125%
HK$12,542
baseline
▲ 0.50% · 4.625%
HK$13,203
+HK$661/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,084/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,752
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,180
−HK$434/mo
Today · 4.125%
HK$14,614
baseline
▲ 0.50% · 4.625%
HK$15,504
+HK$890/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$29,228/mo (50% DSR)
Upfront cash ≈ HK$335K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,299
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,709
−HK$417/mo
Today · 4.125%
HK$16,126
baseline
▲ 0.50% · 4.625%
HK$16,976
+HK$850/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$32,252/mo (50% DSR)
Upfront cash ≈ HK$335K (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).