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$8,126
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,378
−HK$257/mo
Today · 4.125%
HK$8,635
baseline
▲ 0.50% · 4.625%
HK$9,161
+HK$526/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,270/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,040
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,282
−HK$246/mo
Today · 4.125%
HK$9,528
baseline
▲ 0.50% · 4.625%
HK$10,030
+HK$502/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,056/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,751
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,054
−HK$308/mo
Today · 4.125%
HK$10,362
baseline
▲ 0.50% · 4.625%
HK$10,993
+HK$631/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,724/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,848
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,139
−HK$295/mo
Today · 4.125%
HK$11,434
baseline
▲ 0.50% · 4.625%
HK$12,036
+HK$602/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,868/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,376
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,730
−HK$359/mo
Today · 4.125%
HK$12,089
baseline
▲ 0.50% · 4.625%
HK$12,825
+HK$736/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,178/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,656
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,995
−HK$344/mo
Today · 4.125%
HK$13,339
baseline
▲ 0.50% · 4.625%
HK$14,043
+HK$704/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,678/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,626
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,081
−HK$462/mo
Today · 4.125%
HK$15,543
baseline
▲ 0.50% · 4.625%
HK$16,489
+HK$946/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$31,086/mo (50% DSR)
Upfront cash ≈ HK$356K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,272
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,708
−HK$443/mo
Today · 4.125%
HK$17,151
baseline
▲ 0.50% · 4.625%
HK$18,055
+HK$904/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$34,302/mo (50% DSR)
Upfront cash ≈ HK$356K (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).