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$8,033
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,283
−HK$254/mo
Today · 4.125%
HK$8,537
baseline
▲ 0.50% · 4.625%
HK$9,056
+HK$519/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,074/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$8,937
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,176
−HK$243/mo
Today · 4.125%
HK$9,419
baseline
▲ 0.50% · 4.625%
HK$9,916
+HK$497/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,838/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$9,640
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,939
−HK$305/mo
Today · 4.125%
HK$10,244
baseline
▲ 0.50% · 4.625%
HK$10,867
+HK$623/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,488/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$10,724
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,012
−HK$291/mo
Today · 4.125%
HK$11,303
baseline
▲ 0.50% · 4.625%
HK$11,899
+HK$596/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,606/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$11,246
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,596
−HK$355/mo
Today · 4.125%
HK$11,951
baseline
▲ 0.50% · 4.625%
HK$12,679
+HK$728/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,902/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$12,511
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,847
−HK$340/mo
Today · 4.125%
HK$13,187
baseline
▲ 0.50% · 4.625%
HK$13,882
+HK$695/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,374/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$14,459
−HK$907/mo
▼ 0.25% · 3.875%
HK$14,909
−HK$457/mo
Today · 4.125%
HK$15,366
baseline
▲ 0.50% · 4.625%
HK$16,301
+HK$935/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,732/mo (50% DSR)
Upfront cash ≈ HK$352K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,086
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,517
−HK$438/mo
Today · 4.125%
HK$16,955
baseline
▲ 0.50% · 4.625%
HK$17,849
+HK$894/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,910/mo (50% DSR)
Upfront cash ≈ HK$352K (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).