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$7,683
−HK$481/mo
▼ 0.25% · 3.875%
HK$7,922
−HK$242/mo
Today · 4.125%
HK$8,164
baseline
▲ 0.50% · 4.625%
HK$8,661
+HK$497/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,328/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,547
−HK$462/mo
▼ 0.25% · 3.875%
HK$8,776
−HK$233/mo
Today · 4.125%
HK$9,009
baseline
▲ 0.50% · 4.625%
HK$9,483
+HK$474/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$18,018/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,219
−HK$578/mo
▼ 0.25% · 3.875%
HK$9,506
−HK$291/mo
Today · 4.125%
HK$9,797
baseline
▲ 0.50% · 4.625%
HK$10,393
+HK$596/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$19,594/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,256
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,531
−HK$279/mo
Today · 4.125%
HK$10,810
baseline
▲ 0.50% · 4.625%
HK$11,380
+HK$570/mo
Deposit HK$1.35M · loan HK$2.02M · min. income ≈ HK$21,620/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,756
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,090
−HK$340/mo
Today · 4.125%
HK$11,430
baseline
▲ 0.50% · 4.625%
HK$12,126
+HK$696/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,860/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,966
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,286
−HK$326/mo
Today · 4.125%
HK$12,612
baseline
▲ 0.50% · 4.625%
HK$13,277
+HK$665/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,224/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,829
−HK$867/mo
▼ 0.25% · 3.875%
HK$14,259
−HK$437/mo
Today · 4.125%
HK$14,696
baseline
▲ 0.50% · 4.625%
HK$15,590
+HK$894/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$29,392/mo (50% DSR)
Upfront cash ≈ HK$337K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,384
−HK$831/mo
▼ 0.25% · 3.875%
HK$15,797
−HK$418/mo
Today · 4.125%
HK$16,215
baseline
▲ 0.50% · 4.625%
HK$17,070
+HK$855/mo
Deposit HK$337K · loan HK$3.03M · min. income ≈ HK$32,430/mo (50% DSR)
Upfront cash ≈ HK$337K (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).