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$8,608
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,876
−HK$272/mo
Today · 4.125%
HK$9,148
baseline
▲ 0.50% · 4.625%
HK$9,705
+HK$557/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$18,296/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,577
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,833
−HK$261/mo
Today · 4.125%
HK$10,094
baseline
▲ 0.50% · 4.625%
HK$10,626
+HK$532/mo
Deposit HK$1.89M · loan HK$1.89M · min. income ≈ HK$20,188/mo (50% DSR)
Upfront cash ≈ HK$1.89M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,330
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,651
−HK$327/mo
Today · 4.125%
HK$10,978
baseline
▲ 0.50% · 4.625%
HK$11,646
+HK$668/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$21,956/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,492
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,800
−HK$313/mo
Today · 4.125%
HK$12,113
baseline
▲ 0.50% · 4.625%
HK$12,751
+HK$638/mo
Deposit HK$1.51M · loan HK$2.27M · min. income ≈ HK$24,226/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,052
−HK$755/mo
▼ 0.25% · 3.875%
HK$12,426
−HK$381/mo
Today · 4.125%
HK$12,807
baseline
▲ 0.50% · 4.625%
HK$13,587
+HK$780/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,614/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,407
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,767
−HK$365/mo
Today · 4.125%
HK$14,132
baseline
▲ 0.50% · 4.625%
HK$14,876
+HK$744/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,264/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,495
−HK$971/mo
▼ 0.25% · 3.875%
HK$15,977
−HK$489/mo
Today · 4.125%
HK$16,466
baseline
▲ 0.50% · 4.625%
HK$17,468
+HK$1,002/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,932/mo (50% DSR)
Upfront cash ≈ HK$378K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,238
−HK$931/mo
▼ 0.25% · 3.875%
HK$17,700
−HK$469/mo
Today · 4.125%
HK$18,169
baseline
▲ 0.50% · 4.625%
HK$19,127
+HK$958/mo
Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$36,338/mo (50% DSR)
Upfront cash ≈ HK$378K (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).