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$8,261
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,518
−HK$261/mo
Today · 4.125%
HK$8,779
baseline
▲ 0.50% · 4.625%
HK$9,314
+HK$535/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,558/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,191
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,437
−HK$250/mo
Today · 4.125%
HK$9,687
baseline
▲ 0.50% · 4.625%
HK$10,198
+HK$511/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,374/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,914
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,222
−HK$313/mo
Today · 4.125%
HK$10,535
baseline
▲ 0.50% · 4.625%
HK$11,176
+HK$641/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,070/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,029
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,325
−HK$300/mo
Today · 4.125%
HK$11,625
baseline
▲ 0.50% · 4.625%
HK$12,237
+HK$612/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,250/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,566
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,926
−HK$365/mo
Today · 4.125%
HK$12,291
baseline
▲ 0.50% · 4.625%
HK$13,039
+HK$748/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,582/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,867
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,212
−HK$350/mo
Today · 4.125%
HK$13,562
baseline
▲ 0.50% · 4.625%
HK$14,277
+HK$715/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,124/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,870
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,333
−HK$470/mo
Today · 4.125%
HK$15,803
baseline
▲ 0.50% · 4.625%
HK$16,764
+HK$961/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$31,606/mo (50% DSR)
Upfront cash ≈ HK$362K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,543
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,987
−HK$450/mo
Today · 4.125%
HK$17,437
baseline
▲ 0.50% · 4.625%
HK$18,356
+HK$919/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$34,874/mo (50% DSR)
Upfront cash ≈ HK$362K (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).