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$8,682
−HK$545/mo
▼ 0.25% · 3.875%
HK$8,952
−HK$275/mo
Today · 4.125%
HK$9,227
baseline
▲ 0.50% · 4.625%
HK$9,788
+HK$561/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,454/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,659
−HK$522/mo
▼ 0.25% · 3.875%
HK$9,918
−HK$263/mo
Today · 4.125%
HK$10,181
baseline
▲ 0.50% · 4.625%
HK$10,718
+HK$537/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,362/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,419
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,743
−HK$329/mo
Today · 4.125%
HK$11,072
baseline
▲ 0.50% · 4.625%
HK$11,746
+HK$674/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,144/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,591
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,902
−HK$315/mo
Today · 4.125%
HK$12,217
baseline
▲ 0.50% · 4.625%
HK$12,861
+HK$644/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,434/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,155
−HK$763/mo
▼ 0.25% · 3.875%
HK$12,533
−HK$385/mo
Today · 4.125%
HK$12,918
baseline
▲ 0.50% · 4.625%
HK$13,704
+HK$786/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,836/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,523
−HK$730/mo
▼ 0.25% · 3.875%
HK$13,885
−HK$368/mo
Today · 4.125%
HK$14,253
baseline
▲ 0.50% · 4.625%
HK$15,005
+HK$752/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$28,506/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,628
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,114
−HK$494/mo
Today · 4.125%
HK$16,608
baseline
▲ 0.50% · 4.625%
HK$17,619
+HK$1,011/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,216/mo (50% DSR)
Upfront cash ≈ HK$381K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,386
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,853
−HK$473/mo
Today · 4.125%
HK$18,326
baseline
▲ 0.50% · 4.625%
HK$19,292
+HK$966/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,652/mo (50% DSR)
Upfront cash ≈ HK$381K (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).