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$8,454
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,717
−HK$267/mo
Today · 4.125%
HK$8,984
baseline
▲ 0.50% · 4.625%
HK$9,531
+HK$547/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,968/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,405
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,657
−HK$256/mo
Today · 4.125%
HK$9,913
baseline
▲ 0.50% · 4.625%
HK$10,436
+HK$523/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,826/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,145
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,460
−HK$321/mo
Today · 4.125%
HK$10,781
baseline
▲ 0.50% · 4.625%
HK$11,437
+HK$656/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,562/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,286
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,589
−HK$307/mo
Today · 4.125%
HK$11,896
baseline
▲ 0.50% · 4.625%
HK$12,523
+HK$627/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,792/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,836
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,204
−HK$374/mo
Today · 4.125%
HK$12,578
baseline
▲ 0.50% · 4.625%
HK$13,343
+HK$765/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,156/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,167
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,520
−HK$358/mo
Today · 4.125%
HK$13,878
baseline
▲ 0.50% · 4.625%
HK$14,610
+HK$732/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,756/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,217
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,690
−HK$481/mo
Today · 4.125%
HK$16,171
baseline
▲ 0.50% · 4.625%
HK$17,155
+HK$984/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,342/mo (50% DSR)
Upfront cash ≈ HK$371K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,929
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,383
−HK$461/mo
Today · 4.125%
HK$17,844
baseline
▲ 0.50% · 4.625%
HK$18,784
+HK$940/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,688/mo (50% DSR)
Upfront cash ≈ HK$371K (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).