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$8,260
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,517
−HK$261/mo
Today · 4.125%
HK$8,778
baseline
▲ 0.50% · 4.625%
HK$9,312
+HK$534/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,556/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,189
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,436
−HK$250/mo
Today · 4.125%
HK$9,686
baseline
▲ 0.50% · 4.625%
HK$10,196
+HK$510/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,372/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,912
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,220
−HK$314/mo
Today · 4.125%
HK$10,534
baseline
▲ 0.50% · 4.625%
HK$11,175
+HK$641/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,068/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,027
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,323
−HK$300/mo
Today · 4.125%
HK$11,623
baseline
▲ 0.50% · 4.625%
HK$12,236
+HK$613/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,246/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,564
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,924
−HK$365/mo
Today · 4.125%
HK$12,289
baseline
▲ 0.50% · 4.625%
HK$13,037
+HK$748/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,578/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,865
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,210
−HK$350/mo
Today · 4.125%
HK$13,560
baseline
▲ 0.50% · 4.625%
HK$14,275
+HK$715/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,120/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,868
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,331
−HK$470/mo
Today · 4.125%
HK$15,801
baseline
▲ 0.50% · 4.625%
HK$16,762
+HK$961/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$31,602/mo (50% DSR)
Upfront cash ≈ HK$362K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,541
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,984
−HK$450/mo
Today · 4.125%
HK$17,434
baseline
▲ 0.50% · 4.625%
HK$18,353
+HK$919/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$34,868/mo (50% DSR)
Upfront cash ≈ HK$362K (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).