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$7,818
−HK$491/mo
▼ 0.25% · 3.875%
HK$8,062
−HK$247/mo
Today · 4.125%
HK$8,309
baseline
▲ 0.50% · 4.625%
HK$8,814
+HK$505/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,618/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,698
−HK$470/mo
▼ 0.25% · 3.875%
HK$8,931
−HK$237/mo
Today · 4.125%
HK$9,168
baseline
▲ 0.50% · 4.625%
HK$9,651
+HK$483/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,336/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,382
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,674
−HK$296/mo
Today · 4.125%
HK$9,970
baseline
▲ 0.50% · 4.625%
HK$10,577
+HK$607/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$19,940/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,438
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,717
−HK$284/mo
Today · 4.125%
HK$11,001
baseline
▲ 0.50% · 4.625%
HK$11,581
+HK$580/mo
Deposit HK$1.37M · loan HK$2.06M · min. income ≈ HK$22,002/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,946
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,286
−HK$346/mo
Today · 4.125%
HK$11,632
baseline
▲ 0.50% · 4.625%
HK$12,340
+HK$708/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$23,264/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,177
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,504
−HK$331/mo
Today · 4.125%
HK$12,835
baseline
▲ 0.50% · 4.625%
HK$13,512
+HK$677/mo
Deposit HK$1.03M · loan HK$2.40M · min. income ≈ HK$25,670/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,073
−HK$883/mo
▼ 0.25% · 3.875%
HK$14,511
−HK$445/mo
Today · 4.125%
HK$14,956
baseline
▲ 0.50% · 4.625%
HK$15,866
+HK$910/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$29,912/mo (50% DSR)
Upfront cash ≈ HK$343K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,656
−HK$846/mo
▼ 0.25% · 3.875%
HK$16,076
−HK$426/mo
Today · 4.125%
HK$16,502
baseline
▲ 0.50% · 4.625%
HK$17,372
+HK$870/mo
Deposit HK$343K · loan HK$3.09M · min. income ≈ HK$33,004/mo (50% DSR)
Upfront cash ≈ HK$343K (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).