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$8,875
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,151
−HK$281/mo
Today · 4.125%
HK$9,432
baseline
▲ 0.50% · 4.625%
HK$10,006
+HK$574/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,864/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,874
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,138
−HK$269/mo
Today · 4.125%
HK$10,407
baseline
▲ 0.50% · 4.625%
HK$10,956
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,814/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,650
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,982
−HK$336/mo
Today · 4.125%
HK$11,318
baseline
▲ 0.50% · 4.625%
HK$12,007
+HK$689/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,636/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$11,848
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,166
−HK$322/mo
Today · 4.125%
HK$12,488
baseline
▲ 0.50% · 4.625%
HK$13,147
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$24,976/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$12,425
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,812
−HK$392/mo
Today · 4.125%
HK$13,204
baseline
▲ 0.50% · 4.625%
HK$14,008
+HK$804/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,408/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$13,823
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,194
−HK$376/mo
Today · 4.125%
HK$14,570
baseline
▲ 0.50% · 4.625%
HK$15,338
+HK$768/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,140/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$15,975
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,472
−HK$505/mo
Today · 4.125%
HK$16,977
baseline
▲ 0.50% · 4.625%
HK$18,010
+HK$1,033/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,954/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$17,772
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,249
−HK$484/mo
Today · 4.125%
HK$18,733
baseline
▲ 0.50% · 4.625%
HK$19,720
+HK$987/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,466/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).