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$7,795
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,037
−HK$247/mo
Today · 4.125%
HK$8,284
baseline
▲ 0.50% · 4.625%
HK$8,788
+HK$504/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,568/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,672
−HK$468/mo
▼ 0.25% · 3.875%
HK$8,904
−HK$236/mo
Today · 4.125%
HK$9,140
baseline
▲ 0.50% · 4.625%
HK$9,622
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,280/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,354
−HK$586/mo
▼ 0.25% · 3.875%
HK$9,645
−HK$295/mo
Today · 4.125%
HK$9,940
baseline
▲ 0.50% · 4.625%
HK$10,545
+HK$605/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,880/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,406
−HK$562/mo
▼ 0.25% · 3.875%
HK$10,685
−HK$283/mo
Today · 4.125%
HK$10,968
baseline
▲ 0.50% · 4.625%
HK$11,546
+HK$578/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,936/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,913
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,252
−HK$345/mo
Today · 4.125%
HK$11,597
baseline
▲ 0.50% · 4.625%
HK$12,303
+HK$706/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$23,194/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,140
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,466
−HK$330/mo
Today · 4.125%
HK$12,796
baseline
▲ 0.50% · 4.625%
HK$13,471
+HK$675/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$25,592/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,031
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,467
−HK$444/mo
Today · 4.125%
HK$14,911
baseline
▲ 0.50% · 4.625%
HK$15,818
+HK$907/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,822/mo (50% DSR)
Upfront cash ≈ HK$342K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,609
−HK$843/mo
▼ 0.25% · 3.875%
HK$16,028
−HK$424/mo
Today · 4.125%
HK$16,452
baseline
▲ 0.50% · 4.625%
HK$17,320
+HK$868/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,904/mo (50% DSR)
Upfront cash ≈ HK$342K (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).