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$8,442
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,704
−HK$267/mo
Today · 4.125%
HK$8,971
baseline
▲ 0.50% · 4.625%
HK$9,517
+HK$546/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,942/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,392
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,643
−HK$256/mo
Today · 4.125%
HK$9,899
baseline
▲ 0.50% · 4.625%
HK$10,421
+HK$522/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,798/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,130
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,445
−HK$321/mo
Today · 4.125%
HK$10,766
baseline
▲ 0.50% · 4.625%
HK$11,421
+HK$655/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,532/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,270
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,572
−HK$307/mo
Today · 4.125%
HK$11,879
baseline
▲ 0.50% · 4.625%
HK$12,505
+HK$626/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,758/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,819
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,186
−HK$374/mo
Today · 4.125%
HK$12,560
baseline
▲ 0.50% · 4.625%
HK$13,324
+HK$764/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,120/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,148
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,501
−HK$357/mo
Today · 4.125%
HK$13,858
baseline
▲ 0.50% · 4.625%
HK$14,589
+HK$731/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,716/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,195
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,668
−HK$480/mo
Today · 4.125%
HK$16,148
baseline
▲ 0.50% · 4.625%
HK$17,131
+HK$983/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,296/mo (50% DSR)
Upfront cash ≈ HK$370K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,905
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,358
−HK$460/mo
Today · 4.125%
HK$17,818
baseline
▲ 0.50% · 4.625%
HK$18,757
+HK$939/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,636/mo (50% DSR)
Upfront cash ≈ HK$370K (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).