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$8,876
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,152
−HK$280/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$534/mo
▼ 0.25% · 3.875%
HK$10,139
−HK$269/mo
Today · 4.125%
HK$10,408
baseline
▲ 0.50% · 4.625%
HK$10,956
+HK$548/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,816/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$10,651
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,982
−HK$337/mo
Today · 4.125%
HK$11,319
baseline
▲ 0.50% · 4.625%
HK$12,008
+HK$689/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,638/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$11,849
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,167
−HK$322/mo
Today · 4.125%
HK$12,489
baseline
▲ 0.50% · 4.625%
HK$13,148
+HK$659/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$24,978/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$12,426
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,813
−HK$392/mo
Today · 4.125%
HK$13,205
baseline
▲ 0.50% · 4.625%
HK$14,009
+HK$804/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,410/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$13,824
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,195
−HK$376/mo
Today · 4.125%
HK$14,571
baseline
▲ 0.50% · 4.625%
HK$15,339
+HK$768/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,142/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$15,977
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,474
−HK$504/mo
Today · 4.125%
HK$16,978
baseline
▲ 0.50% · 4.625%
HK$18,012
+HK$1,034/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,956/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$17,774
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,251
−HK$483/mo
Today · 4.125%
HK$18,734
baseline
▲ 0.50% · 4.625%
HK$19,722
+HK$988/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,468/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).