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$544/mo
▼ 0.25% · 3.875%
HK$8,952
−HK$274/mo
Today · 4.125%
HK$9,226
baseline
▲ 0.50% · 4.625%
HK$9,788
+HK$562/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,452/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$521/mo
▼ 0.25% · 3.875%
HK$9,918
−HK$262/mo
Today · 4.125%
HK$10,180
baseline
▲ 0.50% · 4.625%
HK$10,717
+HK$537/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,360/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$10,418
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,742
−HK$330/mo
Today · 4.125%
HK$11,072
baseline
▲ 0.50% · 4.625%
HK$11,745
+HK$673/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$11,590
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,901
−HK$315/mo
Today · 4.125%
HK$12,216
baseline
▲ 0.50% · 4.625%
HK$12,860
+HK$644/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,432/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$762/mo
▼ 0.25% · 3.875%
HK$12,533
−HK$384/mo
Today · 4.125%
HK$12,917
baseline
▲ 0.50% · 4.625%
HK$13,703
+HK$786/mo
Deposit HK$1.14M · loan HK$2.67M · min. income ≈ HK$25,834/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$13,522
−HK$731/mo
▼ 0.25% · 3.875%
HK$13,885
−HK$368/mo
Today · 4.125%
HK$14,253
baseline
▲ 0.50% · 4.625%
HK$15,004
+HK$751/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$15,627
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,114
−HK$493/mo
Today · 4.125%
HK$16,607
baseline
▲ 0.50% · 4.625%
HK$17,618
+HK$1,011/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$33,214/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$17,385
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,852
−HK$473/mo
Today · 4.125%
HK$18,325
baseline
▲ 0.50% · 4.625%
HK$19,291
+HK$966/mo
Deposit HK$381K · loan HK$3.43M · min. income ≈ HK$36,650/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).