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$8,304
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,563
−HK$262/mo
Today · 4.125%
HK$8,825
baseline
▲ 0.50% · 4.625%
HK$9,362
+HK$537/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,650/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,238
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,486
−HK$251/mo
Today · 4.125%
HK$9,737
baseline
▲ 0.50% · 4.625%
HK$10,251
+HK$514/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,474/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,965
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,275
−HK$315/mo
Today · 4.125%
HK$10,590
baseline
▲ 0.50% · 4.625%
HK$11,234
+HK$644/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,180/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,086
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,383
−HK$302/mo
Today · 4.125%
HK$11,685
baseline
▲ 0.50% · 4.625%
HK$12,301
+HK$616/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,370/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,626
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,988
−HK$367/mo
Today · 4.125%
HK$12,355
baseline
▲ 0.50% · 4.625%
HK$13,107
+HK$752/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,710/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,934
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,281
−HK$351/mo
Today · 4.125%
HK$13,632
baseline
▲ 0.50% · 4.625%
HK$14,351
+HK$719/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,264/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,948
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,413
−HK$472/mo
Today · 4.125%
HK$15,885
baseline
▲ 0.50% · 4.625%
HK$16,851
+HK$966/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$31,770/mo (50% DSR)
Upfront cash ≈ HK$364K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,629
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,075
−HK$452/mo
Today · 4.125%
HK$17,527
baseline
▲ 0.50% · 4.625%
HK$18,451
+HK$924/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$35,054/mo (50% DSR)
Upfront cash ≈ HK$364K (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).