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$8,040
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,290
−HK$254/mo
Today · 4.125%
HK$8,544
baseline
▲ 0.50% · 4.625%
HK$9,064
+HK$520/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,088/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,945
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,184
−HK$244/mo
Today · 4.125%
HK$9,428
baseline
▲ 0.50% · 4.625%
HK$9,925
+HK$497/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,856/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,648
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,948
−HK$305/mo
Today · 4.125%
HK$10,253
baseline
▲ 0.50% · 4.625%
HK$10,877
+HK$624/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,506/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,733
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,021
−HK$292/mo
Today · 4.125%
HK$11,313
baseline
▲ 0.50% · 4.625%
HK$11,910
+HK$597/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,626/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,256
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,606
−HK$356/mo
Today · 4.125%
HK$11,962
baseline
▲ 0.50% · 4.625%
HK$12,690
+HK$728/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,924/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,522
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,858
−HK$341/mo
Today · 4.125%
HK$13,199
baseline
▲ 0.50% · 4.625%
HK$13,895
+HK$696/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,398/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,472
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,922
−HK$458/mo
Today · 4.125%
HK$15,380
baseline
▲ 0.50% · 4.625%
HK$16,316
+HK$936/mo
Deposit HK$353K · loan HK$3.17M · min. income ≈ HK$30,760/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,100
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,532
−HK$438/mo
Today · 4.125%
HK$16,970
baseline
▲ 0.50% · 4.625%
HK$17,865
+HK$895/mo
Deposit HK$353K · loan HK$3.17M · min. income ≈ HK$33,940/mo (50% DSR)
Upfront cash ≈ HK$353K (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).