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$8,953
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,232
−HK$283/mo
Today · 4.125%
HK$9,515
baseline
▲ 0.50% · 4.625%
HK$10,093
+HK$578/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,030/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,960
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,227
−HK$271/mo
Today · 4.125%
HK$10,498
baseline
▲ 0.50% · 4.625%
HK$11,052
+HK$554/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,996/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,744
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,078
−HK$339/mo
Today · 4.125%
HK$11,417
baseline
▲ 0.50% · 4.625%
HK$12,112
+HK$695/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,834/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,952
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,273
−HK$325/mo
Today · 4.125%
HK$12,598
baseline
▲ 0.50% · 4.625%
HK$13,262
+HK$664/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,196/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,534
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,924
−HK$396/mo
Today · 4.125%
HK$13,320
baseline
▲ 0.50% · 4.625%
HK$14,131
+HK$811/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,640/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,944
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,318
−HK$380/mo
Today · 4.125%
HK$14,698
baseline
▲ 0.50% · 4.625%
HK$15,472
+HK$774/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,396/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,116
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,617
−HK$509/mo
Today · 4.125%
HK$17,126
baseline
▲ 0.50% · 4.625%
HK$18,168
+HK$1,042/mo
Deposit HK$393K · loan HK$3.53M · min. income ≈ HK$34,252/mo (50% DSR)
Upfront cash ≈ HK$393K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,928
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,409
−HK$488/mo
Today · 4.125%
HK$18,897
baseline
▲ 0.50% · 4.625%
HK$19,893
+HK$996/mo
Deposit HK$393K · loan HK$3.53M · min. income ≈ HK$37,794/mo (50% DSR)
Upfront cash ≈ HK$393K (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).