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$8,094
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,346
−HK$256/mo
Today · 4.125%
HK$8,602
baseline
▲ 0.50% · 4.625%
HK$9,125
+HK$523/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,204/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,005
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,246
−HK$245/mo
Today · 4.125%
HK$9,491
baseline
▲ 0.50% · 4.625%
HK$9,992
+HK$501/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,982/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,713
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,015
−HK$307/mo
Today · 4.125%
HK$10,322
baseline
▲ 0.50% · 4.625%
HK$10,950
+HK$628/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,644/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,806
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,096
−HK$294/mo
Today · 4.125%
HK$11,390
baseline
▲ 0.50% · 4.625%
HK$11,990
+HK$600/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,780/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,332
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,684
−HK$359/mo
Today · 4.125%
HK$12,043
baseline
▲ 0.50% · 4.625%
HK$12,775
+HK$732/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,086/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,607
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,945
−HK$343/mo
Today · 4.125%
HK$13,288
baseline
▲ 0.50% · 4.625%
HK$13,988
+HK$700/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,576/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,570
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,023
−HK$460/mo
Today · 4.125%
HK$15,483
baseline
▲ 0.50% · 4.625%
HK$16,425
+HK$942/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$30,966/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,209
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,643
−HK$441/mo
Today · 4.125%
HK$17,084
baseline
▲ 0.50% · 4.625%
HK$17,985
+HK$901/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$34,168/mo (50% DSR)
Upfront cash ≈ HK$355K (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).