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$8,558
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,824
−HK$270/mo
Today · 4.125%
HK$9,094
baseline
▲ 0.50% · 4.625%
HK$9,648
+HK$554/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,188/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,520
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,776
−HK$259/mo
Today · 4.125%
HK$10,035
baseline
▲ 0.50% · 4.625%
HK$10,564
+HK$529/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,070/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,269
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,589
−HK$324/mo
Today · 4.125%
HK$10,913
baseline
▲ 0.50% · 4.625%
HK$11,577
+HK$664/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,826/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,424
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,731
−HK$311/mo
Today · 4.125%
HK$12,042
baseline
▲ 0.50% · 4.625%
HK$12,676
+HK$634/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,084/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,981
−HK$751/mo
▼ 0.25% · 3.875%
HK$12,353
−HK$379/mo
Today · 4.125%
HK$12,732
baseline
▲ 0.50% · 4.625%
HK$13,507
+HK$775/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$25,464/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$13,329
−HK$720/mo
▼ 0.25% · 3.875%
HK$13,686
−HK$363/mo
Today · 4.125%
HK$14,049
baseline
▲ 0.50% · 4.625%
HK$14,789
+HK$740/mo
Deposit HK$1.13M · loan HK$2.63M · min. income ≈ HK$28,098/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$15,404
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,883
−HK$487/mo
Today · 4.125%
HK$16,370
baseline
▲ 0.50% · 4.625%
HK$17,366
+HK$996/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$32,740/mo (50% DSR)
Upfront cash ≈ HK$375K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,137
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,596
−HK$467/mo
Today · 4.125%
HK$18,063
baseline
▲ 0.50% · 4.625%
HK$19,015
+HK$952/mo
Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$36,126/mo (50% DSR)
Upfront cash ≈ HK$375K (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).