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$8,216
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,471
−HK$260/mo
Today · 4.125%
HK$8,731
baseline
▲ 0.50% · 4.625%
HK$9,262
+HK$531/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,462/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,140
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,385
−HK$249/mo
Today · 4.125%
HK$9,634
baseline
▲ 0.50% · 4.625%
HK$10,141
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,268/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,859
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,165
−HK$312/mo
Today · 4.125%
HK$10,477
baseline
▲ 0.50% · 4.625%
HK$11,114
+HK$637/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,954/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,968
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,262
−HK$298/mo
Today · 4.125%
HK$11,560
baseline
▲ 0.50% · 4.625%
HK$12,170
+HK$610/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,120/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,502
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,860
−HK$363/mo
Today · 4.125%
HK$12,223
baseline
▲ 0.50% · 4.625%
HK$12,967
+HK$744/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,446/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,796
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,139
−HK$348/mo
Today · 4.125%
HK$13,487
baseline
▲ 0.50% · 4.625%
HK$14,198
+HK$711/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,974/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,788
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,248
−HK$467/mo
Today · 4.125%
HK$15,715
baseline
▲ 0.50% · 4.625%
HK$16,672
+HK$957/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,430/mo (50% DSR)
Upfront cash ≈ HK$360K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,452
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,893
−HK$447/mo
Today · 4.125%
HK$17,340
baseline
▲ 0.50% · 4.625%
HK$18,254
+HK$914/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,680/mo (50% DSR)
Upfront cash ≈ HK$360K (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).