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$8,815
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,089
−HK$279/mo
Today · 4.125%
HK$9,368
baseline
▲ 0.50% · 4.625%
HK$9,938
+HK$570/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,736/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,806
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,069
−HK$267/mo
Today · 4.125%
HK$10,336
baseline
▲ 0.50% · 4.625%
HK$10,881
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,672/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,578
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,907
−HK$334/mo
Today · 4.125%
HK$11,241
baseline
▲ 0.50% · 4.625%
HK$11,925
+HK$684/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,482/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,768
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,083
−HK$320/mo
Today · 4.125%
HK$12,403
baseline
▲ 0.50% · 4.625%
HK$13,057
+HK$654/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,806/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,341
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,725
−HK$390/mo
Today · 4.125%
HK$13,115
baseline
▲ 0.50% · 4.625%
HK$13,913
+HK$798/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,230/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,729
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,097
−HK$374/mo
Today · 4.125%
HK$14,471
baseline
▲ 0.50% · 4.625%
HK$15,233
+HK$762/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,942/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,867
−HK$995/mo
▼ 0.25% · 3.875%
HK$16,360
−HK$502/mo
Today · 4.125%
HK$16,862
baseline
▲ 0.50% · 4.625%
HK$17,888
+HK$1,026/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,724/mo (50% DSR)
Upfront cash ≈ HK$387K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,651
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,125
−HK$480/mo
Today · 4.125%
HK$18,605
baseline
▲ 0.50% · 4.625%
HK$19,586
+HK$981/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,210/mo (50% DSR)
Upfront cash ≈ HK$387K (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).