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$7,661
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,899
−HK$242/mo
Today · 4.125%
HK$8,141
baseline
▲ 0.50% · 4.625%
HK$8,637
+HK$496/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,282/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$8,523
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,751
−HK$232/mo
Today · 4.125%
HK$8,983
baseline
▲ 0.50% · 4.625%
HK$9,457
+HK$474/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,966/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$9,193
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,479
−HK$291/mo
Today · 4.125%
HK$9,770
baseline
▲ 0.50% · 4.625%
HK$10,364
+HK$594/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$19,540/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$10,227
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,502
−HK$278/mo
Today · 4.125%
HK$10,780
baseline
▲ 0.50% · 4.625%
HK$11,348
+HK$568/mo
Deposit HK$1.34M · loan HK$2.02M · min. income ≈ HK$21,560/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$10,725
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,059
−HK$339/mo
Today · 4.125%
HK$11,398
baseline
▲ 0.50% · 4.625%
HK$12,091
+HK$693/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,796/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$11,932
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,252
−HK$325/mo
Today · 4.125%
HK$12,577
baseline
▲ 0.50% · 4.625%
HK$13,239
+HK$662/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,154/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$13,790
−HK$864/mo
▼ 0.25% · 3.875%
HK$14,219
−HK$435/mo
Today · 4.125%
HK$14,654
baseline
▲ 0.50% · 4.625%
HK$15,546
+HK$892/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$29,308/mo (50% DSR)
Upfront cash ≈ HK$336K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,341
−HK$829/mo
▼ 0.25% · 3.875%
HK$15,752
−HK$418/mo
Today · 4.125%
HK$16,170
baseline
▲ 0.50% · 4.625%
HK$17,022
+HK$852/mo
Deposit HK$336K · loan HK$3.02M · min. income ≈ HK$32,340/mo (50% DSR)
Upfront cash ≈ HK$336K (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).