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$8,419
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,681
−HK$266/mo
Today · 4.125%
HK$8,947
baseline
▲ 0.50% · 4.625%
HK$9,492
+HK$545/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,894/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,366
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,617
−HK$255/mo
Today · 4.125%
HK$9,872
baseline
▲ 0.50% · 4.625%
HK$10,393
+HK$521/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,744/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,103
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,417
−HK$320/mo
Today · 4.125%
HK$10,737
baseline
▲ 0.50% · 4.625%
HK$11,390
+HK$653/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,474/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,240
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,541
−HK$306/mo
Today · 4.125%
HK$11,847
baseline
▲ 0.50% · 4.625%
HK$12,471
+HK$624/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,694/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,787
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,153
−HK$373/mo
Today · 4.125%
HK$12,526
baseline
▲ 0.50% · 4.625%
HK$13,288
+HK$762/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,052/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,113
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,464
−HK$357/mo
Today · 4.125%
HK$13,821
baseline
▲ 0.50% · 4.625%
HK$14,550
+HK$729/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,642/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,155
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,626
−HK$479/mo
Today · 4.125%
HK$16,105
baseline
▲ 0.50% · 4.625%
HK$17,085
+HK$980/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,210/mo (50% DSR)
Upfront cash ≈ HK$369K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,859
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,311
−HK$459/mo
Today · 4.125%
HK$17,770
baseline
▲ 0.50% · 4.625%
HK$18,707
+HK$937/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,540/mo (50% DSR)
Upfront cash ≈ HK$369K (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).