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$8,865
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,141
−HK$280/mo
Today · 4.125%
HK$9,421
baseline
▲ 0.50% · 4.625%
HK$9,994
+HK$573/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,842/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$9,862
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,127
−HK$268/mo
Today · 4.125%
HK$10,395
baseline
▲ 0.50% · 4.625%
HK$10,943
+HK$548/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,790/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$10,638
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,969
−HK$336/mo
Today · 4.125%
HK$11,305
baseline
▲ 0.50% · 4.625%
HK$11,993
+HK$688/mo
Deposit HK$1.56M · loan HK$2.33M · min. income ≈ HK$22,610/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,835
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,152
−HK$322/mo
Today · 4.125%
HK$12,474
baseline
▲ 0.50% · 4.625%
HK$13,132
+HK$658/mo
Deposit HK$1.56M · loan HK$2.33M · min. income ≈ HK$24,948/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,411
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,797
−HK$393/mo
Today · 4.125%
HK$13,190
baseline
▲ 0.50% · 4.625%
HK$13,992
+HK$802/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,380/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,807
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,178
−HK$375/mo
Today · 4.125%
HK$14,553
baseline
▲ 0.50% · 4.625%
HK$15,321
+HK$768/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,106/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,957
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,454
−HK$504/mo
Today · 4.125%
HK$16,958
baseline
▲ 0.50% · 4.625%
HK$17,990
+HK$1,032/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,916/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,752
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,229
−HK$483/mo
Today · 4.125%
HK$18,712
baseline
▲ 0.50% · 4.625%
HK$19,698
+HK$986/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,424/mo (50% DSR)
Upfront cash ≈ HK$389K (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).