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$8,060
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,311
−HK$255/mo
Today · 4.125%
HK$8,566
baseline
▲ 0.50% · 4.625%
HK$9,087
+HK$521/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,132/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,967
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,207
−HK$244/mo
Today · 4.125%
HK$9,451
baseline
▲ 0.50% · 4.625%
HK$9,949
+HK$498/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,902/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,672
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,973
−HK$306/mo
Today · 4.125%
HK$10,279
baseline
▲ 0.50% · 4.625%
HK$10,904
+HK$625/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,558/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$10,760
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,049
−HK$292/mo
Today · 4.125%
HK$11,341
baseline
▲ 0.50% · 4.625%
HK$11,939
+HK$598/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,682/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$11,284
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,635
−HK$357/mo
Today · 4.125%
HK$11,992
baseline
▲ 0.50% · 4.625%
HK$12,721
+HK$729/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,984/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$12,553
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,890
−HK$342/mo
Today · 4.125%
HK$13,232
baseline
▲ 0.50% · 4.625%
HK$13,929
+HK$697/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,464/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$14,508
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,959
−HK$459/mo
Today · 4.125%
HK$15,418
baseline
▲ 0.50% · 4.625%
HK$16,356
+HK$938/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$30,836/mo (50% DSR)
Upfront cash ≈ HK$354K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,140
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,573
−HK$439/mo
Today · 4.125%
HK$17,012
baseline
▲ 0.50% · 4.625%
HK$17,909
+HK$897/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$34,024/mo (50% DSR)
Upfront cash ≈ HK$354K (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).