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$8,455
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,718
−HK$267/mo
Today · 4.125%
HK$8,985
baseline
▲ 0.50% · 4.625%
HK$9,531
+HK$546/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,970/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$9,406
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,658
−HK$256/mo
Today · 4.125%
HK$9,914
baseline
▲ 0.50% · 4.625%
HK$10,436
+HK$522/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,828/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$10,145
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,461
−HK$321/mo
Today · 4.125%
HK$10,782
baseline
▲ 0.50% · 4.625%
HK$11,438
+HK$656/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,564/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$11,287
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,589
−HK$308/mo
Today · 4.125%
HK$11,897
baseline
▲ 0.50% · 4.625%
HK$12,524
+HK$627/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,794/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$11,836
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,205
−HK$374/mo
Today · 4.125%
HK$12,579
baseline
▲ 0.50% · 4.625%
HK$13,344
+HK$765/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,158/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$13,168
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,521
−HK$358/mo
Today · 4.125%
HK$13,879
baseline
▲ 0.50% · 4.625%
HK$14,611
+HK$732/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,758/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$15,218
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,692
−HK$481/mo
Today · 4.125%
HK$16,173
baseline
▲ 0.50% · 4.625%
HK$17,157
+HK$984/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,346/mo (50% DSR)
Upfront cash ≈ HK$371K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,930
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,384
−HK$461/mo
Today · 4.125%
HK$17,845
baseline
▲ 0.50% · 4.625%
HK$18,785
+HK$940/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,690/mo (50% DSR)
Upfront cash ≈ HK$371K (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).