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$7,993
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,242
−HK$253/mo
Today · 4.125%
HK$8,495
baseline
▲ 0.50% · 4.625%
HK$9,012
+HK$517/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$16,990/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,893
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,131
−HK$242/mo
Today · 4.125%
HK$9,373
baseline
▲ 0.50% · 4.625%
HK$9,867
+HK$494/mo
Deposit HK$1.75M · loan HK$1.75M · min. income ≈ HK$18,746/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,592
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,890
−HK$304/mo
Today · 4.125%
HK$10,194
baseline
▲ 0.50% · 4.625%
HK$10,814
+HK$620/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$20,388/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,671
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,957
−HK$291/mo
Today · 4.125%
HK$11,248
baseline
▲ 0.50% · 4.625%
HK$11,840
+HK$592/mo
Deposit HK$1.40M · loan HK$2.10M · min. income ≈ HK$22,496/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,191
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,539
−HK$353/mo
Today · 4.125%
HK$11,892
baseline
▲ 0.50% · 4.625%
HK$12,616
+HK$724/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$23,784/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,450
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,783
−HK$339/mo
Today · 4.125%
HK$13,122
baseline
▲ 0.50% · 4.625%
HK$13,814
+HK$692/mo
Deposit HK$1.05M · loan HK$2.45M · min. income ≈ HK$26,244/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,388
−HK$902/mo
▼ 0.25% · 3.875%
HK$14,836
−HK$454/mo
Today · 4.125%
HK$15,290
baseline
▲ 0.50% · 4.625%
HK$16,221
+HK$931/mo
Deposit HK$351K · loan HK$3.15M · min. income ≈ HK$30,580/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,007
−HK$864/mo
▼ 0.25% · 3.875%
HK$16,436
−HK$435/mo
Today · 4.125%
HK$16,871
baseline
▲ 0.50% · 4.625%
HK$17,761
+HK$890/mo
Deposit HK$351K · loan HK$3.15M · min. income ≈ HK$33,742/mo (50% DSR)
Upfront cash ≈ HK$351K (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).