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$8,073
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,324
−HK$256/mo
Today · 4.125%
HK$8,580
baseline
▲ 0.50% · 4.625%
HK$9,102
+HK$522/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,160/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$8,982
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,222
−HK$245/mo
Today · 4.125%
HK$9,467
baseline
▲ 0.50% · 4.625%
HK$9,966
+HK$499/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,934/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$9,688
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,989
−HK$307/mo
Today · 4.125%
HK$10,296
baseline
▲ 0.50% · 4.625%
HK$10,922
+HK$626/mo
Deposit HK$1.42M · loan HK$2.12M · min. income ≈ HK$20,592/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,778
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,067
−HK$293/mo
Today · 4.125%
HK$11,360
baseline
▲ 0.50% · 4.625%
HK$11,959
+HK$599/mo
Deposit HK$1.42M · loan HK$2.12M · min. income ≈ HK$22,720/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,303
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,654
−HK$357/mo
Today · 4.125%
HK$12,011
baseline
▲ 0.50% · 4.625%
HK$12,742
+HK$731/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,022/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$12,574
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,911
−HK$342/mo
Today · 4.125%
HK$13,253
baseline
▲ 0.50% · 4.625%
HK$13,952
+HK$699/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,506/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$14,532
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,984
−HK$459/mo
Today · 4.125%
HK$15,443
baseline
▲ 0.50% · 4.625%
HK$16,383
+HK$940/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$30,886/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$16,167
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,600
−HK$440/mo
Today · 4.125%
HK$17,040
baseline
▲ 0.50% · 4.625%
HK$17,938
+HK$898/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$34,080/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).