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$8,466
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,729
−HK$268/mo
Today · 4.125%
HK$8,997
baseline
▲ 0.50% · 4.625%
HK$9,544
+HK$547/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$17,994/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,418
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,671
−HK$256/mo
Today · 4.125%
HK$9,927
baseline
▲ 0.50% · 4.625%
HK$10,450
+HK$523/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,854/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,159
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,475
−HK$321/mo
Today · 4.125%
HK$10,796
baseline
▲ 0.50% · 4.625%
HK$11,453
+HK$657/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,592/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,302
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,605
−HK$308/mo
Today · 4.125%
HK$11,913
baseline
▲ 0.50% · 4.625%
HK$12,541
+HK$628/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,826/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,852
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,221
−HK$375/mo
Today · 4.125%
HK$12,596
baseline
▲ 0.50% · 4.625%
HK$13,362
+HK$766/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,192/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$13,186
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,539
−HK$359/mo
Today · 4.125%
HK$13,898
baseline
▲ 0.50% · 4.625%
HK$14,631
+HK$733/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,796/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$15,239
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,713
−HK$481/mo
Today · 4.125%
HK$16,194
baseline
▲ 0.50% · 4.625%
HK$17,180
+HK$986/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,388/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$16,953
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,408
−HK$461/mo
Today · 4.125%
HK$17,869
baseline
▲ 0.50% · 4.625%
HK$18,811
+HK$942/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,738/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).