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$8,205
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,460
−HK$259/mo
Today · 4.125%
HK$8,719
baseline
▲ 0.50% · 4.625%
HK$9,250
+HK$531/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,438/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,128
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,372
−HK$249/mo
Today · 4.125%
HK$9,621
baseline
▲ 0.50% · 4.625%
HK$10,128
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,242/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,846
−HK$617/mo
▼ 0.25% · 3.875%
HK$10,152
−HK$311/mo
Today · 4.125%
HK$10,463
baseline
▲ 0.50% · 4.625%
HK$11,100
+HK$637/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,926/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,953
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,247
−HK$298/mo
Today · 4.125%
HK$11,545
baseline
▲ 0.50% · 4.625%
HK$12,154
+HK$609/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,090/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,487
−HK$720/mo
▼ 0.25% · 3.875%
HK$11,844
−HK$363/mo
Today · 4.125%
HK$12,207
baseline
▲ 0.50% · 4.625%
HK$12,950
+HK$743/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,414/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,779
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,121
−HK$348/mo
Today · 4.125%
HK$13,469
baseline
▲ 0.50% · 4.625%
HK$14,179
+HK$710/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,938/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,769
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,228
−HK$467/mo
Today · 4.125%
HK$15,695
baseline
▲ 0.50% · 4.625%
HK$16,650
+HK$955/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,390/mo (50% DSR)
Upfront cash ≈ HK$360K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,430
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,870
−HK$447/mo
Today · 4.125%
HK$17,317
baseline
▲ 0.50% · 4.625%
HK$18,230
+HK$913/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,634/mo (50% DSR)
Upfront cash ≈ HK$360K (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).