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$7,613
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,850
−HK$240/mo
Today · 4.125%
HK$8,090
baseline
▲ 0.50% · 4.625%
HK$8,583
+HK$493/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,180/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$8,469
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,697
−HK$230/mo
Today · 4.125%
HK$8,927
baseline
▲ 0.50% · 4.625%
HK$9,398
+HK$471/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,854/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$9,136
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,420
−HK$288/mo
Today · 4.125%
HK$9,708
baseline
▲ 0.50% · 4.625%
HK$10,299
+HK$591/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$19,416/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$10,163
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,436
−HK$276/mo
Today · 4.125%
HK$10,712
baseline
▲ 0.50% · 4.625%
HK$11,277
+HK$565/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$21,424/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$10,658
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,990
−HK$337/mo
Today · 4.125%
HK$11,327
baseline
▲ 0.50% · 4.625%
HK$12,016
+HK$689/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,654/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$11,857
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,175
−HK$323/mo
Today · 4.125%
HK$12,498
baseline
▲ 0.50% · 4.625%
HK$13,157
+HK$659/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$24,996/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$13,703
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,130
−HK$433/mo
Today · 4.125%
HK$14,563
baseline
▲ 0.50% · 4.625%
HK$15,449
+HK$886/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$29,126/mo (50% DSR)
Upfront cash ≈ HK$334K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,245
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,654
−HK$415/mo
Today · 4.125%
HK$16,069
baseline
▲ 0.50% · 4.625%
HK$16,916
+HK$847/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$32,138/mo (50% DSR)
Upfront cash ≈ HK$334K (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).