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$9,367
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,618
−HK$255/mo
Today · 4.125%
HK$9,873
baseline
▲ 0.50% · 4.625%
HK$10,393
+HK$520/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,746/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$10,418
−HK$319/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$12,472
+HK$625/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$12,154
−HK$372/mo
Today · 4.125%
HK$12,526
baseline
▲ 0.50% · 4.625%
HK$13,289
+HK$763/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$709/mo
▼ 0.25% · 3.875%
HK$13,465
−HK$357/mo
Today · 4.125%
HK$13,822
baseline
▲ 0.50% · 4.625%
HK$14,550
+HK$728/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,644/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$16,860
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,312
−HK$459/mo
Today · 4.125%
HK$17,771
baseline
▲ 0.50% · 4.625%
HK$18,707
+HK$936/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,542/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).