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$8,282
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,539
−HK$262/mo
Today · 4.125%
HK$8,801
baseline
▲ 0.50% · 4.625%
HK$9,337
+HK$536/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,602/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,213
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,460
−HK$251/mo
Today · 4.125%
HK$9,711
baseline
▲ 0.50% · 4.625%
HK$10,223
+HK$512/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,422/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,938
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,247
−HK$314/mo
Today · 4.125%
HK$10,561
baseline
▲ 0.50% · 4.625%
HK$11,204
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,122/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$11,056
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,353
−HK$300/mo
Today · 4.125%
HK$11,653
baseline
▲ 0.50% · 4.625%
HK$12,268
+HK$615/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,306/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$11,594
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,955
−HK$367/mo
Today · 4.125%
HK$12,322
baseline
▲ 0.50% · 4.625%
HK$13,071
+HK$749/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,644/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$12,899
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,245
−HK$351/mo
Today · 4.125%
HK$13,596
baseline
▲ 0.50% · 4.625%
HK$14,312
+HK$716/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,192/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$14,907
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,371
−HK$471/mo
Today · 4.125%
HK$15,842
baseline
▲ 0.50% · 4.625%
HK$16,806
+HK$964/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,684/mo (50% DSR)
Upfront cash ≈ HK$363K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,584
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,029
−HK$451/mo
Today · 4.125%
HK$17,480
baseline
▲ 0.50% · 4.625%
HK$18,402
+HK$922/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,960/mo (50% DSR)
Upfront cash ≈ HK$363K (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).