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$8,175
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,429
−HK$259/mo
Today · 4.125%
HK$8,688
baseline
▲ 0.50% · 4.625%
HK$9,216
+HK$528/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,376/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,095
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,339
−HK$247/mo
Today · 4.125%
HK$9,586
baseline
▲ 0.50% · 4.625%
HK$10,091
+HK$505/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,172/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,810
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,115
−HK$310/mo
Today · 4.125%
HK$10,425
baseline
▲ 0.50% · 4.625%
HK$11,060
+HK$635/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,850/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,914
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,206
−HK$297/mo
Today · 4.125%
HK$11,503
baseline
▲ 0.50% · 4.625%
HK$12,110
+HK$607/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$23,006/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,445
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,801
−HK$362/mo
Today · 4.125%
HK$12,163
baseline
▲ 0.50% · 4.625%
HK$12,903
+HK$740/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,326/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,733
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,074
−HK$346/mo
Today · 4.125%
HK$13,420
baseline
▲ 0.50% · 4.625%
HK$14,128
+HK$708/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,840/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,715
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,173
−HK$465/mo
Today · 4.125%
HK$15,638
baseline
▲ 0.50% · 4.625%
HK$16,589
+HK$951/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,276/mo (50% DSR)
Upfront cash ≈ HK$359K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,370
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,809
−HK$446/mo
Today · 4.125%
HK$17,255
baseline
▲ 0.50% · 4.625%
HK$18,164
+HK$909/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,510/mo (50% DSR)
Upfront cash ≈ HK$359K (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).