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$8,543
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,809
−HK$270/mo
Today · 4.125%
HK$9,079
baseline
▲ 0.50% · 4.625%
HK$9,632
+HK$553/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,158/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,505
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,759
−HK$259/mo
Today · 4.125%
HK$10,018
baseline
▲ 0.50% · 4.625%
HK$10,546
+HK$528/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,036/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,252
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,571
−HK$324/mo
Today · 4.125%
HK$10,895
baseline
▲ 0.50% · 4.625%
HK$11,558
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,790/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,405
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,711
−HK$311/mo
Today · 4.125%
HK$12,022
baseline
▲ 0.50% · 4.625%
HK$12,655
+HK$633/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,044/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,961
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,333
−HK$378/mo
Today · 4.125%
HK$12,711
baseline
▲ 0.50% · 4.625%
HK$13,484
+HK$773/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,422/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,306
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,663
−HK$362/mo
Today · 4.125%
HK$14,025
baseline
▲ 0.50% · 4.625%
HK$14,765
+HK$740/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,050/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,378
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,857
−HK$486/mo
Today · 4.125%
HK$16,343
baseline
▲ 0.50% · 4.625%
HK$17,337
+HK$994/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$32,686/mo (50% DSR)
Upfront cash ≈ HK$375K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,108
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,567
−HK$465/mo
Today · 4.125%
HK$18,032
baseline
▲ 0.50% · 4.625%
HK$18,983
+HK$951/mo
Deposit HK$375K · loan HK$3.37M · min. income ≈ HK$36,064/mo (50% DSR)
Upfront cash ≈ HK$375K (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).