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$8,407
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,668
−HK$266/mo
Today · 4.125%
HK$8,934
baseline
▲ 0.50% · 4.625%
HK$9,478
+HK$544/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,868/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,353
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,603
−HK$255/mo
Today · 4.125%
HK$9,858
baseline
▲ 0.50% · 4.625%
HK$10,378
+HK$520/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,716/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,088
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,402
−HK$319/mo
Today · 4.125%
HK$10,721
baseline
▲ 0.50% · 4.625%
HK$11,373
+HK$652/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,442/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,223
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,524
−HK$306/mo
Today · 4.125%
HK$11,830
baseline
▲ 0.50% · 4.625%
HK$12,453
+HK$623/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,660/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,770
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,136
−HK$372/mo
Today · 4.125%
HK$12,508
baseline
▲ 0.50% · 4.625%
HK$13,269
+HK$761/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,016/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$13,094
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,445
−HK$356/mo
Today · 4.125%
HK$13,801
baseline
▲ 0.50% · 4.625%
HK$14,529
+HK$728/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,602/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$15,132
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,603
−HK$478/mo
Today · 4.125%
HK$16,081
baseline
▲ 0.50% · 4.625%
HK$17,060
+HK$979/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,162/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$16,835
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,286
−HK$458/mo
Today · 4.125%
HK$17,744
baseline
▲ 0.50% · 4.625%
HK$18,680
+HK$936/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,488/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).