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$7,628
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,865
−HK$241/mo
Today · 4.125%
HK$8,106
baseline
▲ 0.50% · 4.625%
HK$8,599
+HK$493/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,212/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,486
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,713
−HK$231/mo
Today · 4.125%
HK$8,944
baseline
▲ 0.50% · 4.625%
HK$9,416
+HK$472/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,888/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,153
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,438
−HK$289/mo
Today · 4.125%
HK$9,727
baseline
▲ 0.50% · 4.625%
HK$10,319
+HK$592/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,454/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,183
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,456
−HK$277/mo
Today · 4.125%
HK$10,733
baseline
▲ 0.50% · 4.625%
HK$11,299
+HK$566/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,466/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,679
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,011
−HK$338/mo
Today · 4.125%
HK$11,349
baseline
▲ 0.50% · 4.625%
HK$12,039
+HK$690/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,698/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,880
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,199
−HK$323/mo
Today · 4.125%
HK$12,522
baseline
▲ 0.50% · 4.625%
HK$13,182
+HK$660/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,044/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,730
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,157
−HK$434/mo
Today · 4.125%
HK$14,591
baseline
▲ 0.50% · 4.625%
HK$15,479
+HK$888/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$29,182/mo (50% DSR)
Upfront cash ≈ HK$335K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,274
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,684
−HK$416/mo
Today · 4.125%
HK$16,100
baseline
▲ 0.50% · 4.625%
HK$16,948
+HK$848/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$32,200/mo (50% DSR)
Upfront cash ≈ HK$335K (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).