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$8,968
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,247
−HK$284/mo
Today · 4.125%
HK$9,531
baseline
▲ 0.50% · 4.625%
HK$10,111
+HK$580/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,062/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,977
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,245
−HK$271/mo
Today · 4.125%
HK$10,516
baseline
▲ 0.50% · 4.625%
HK$11,071
+HK$555/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,032/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,762
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,097
−HK$340/mo
Today · 4.125%
HK$11,437
baseline
▲ 0.50% · 4.625%
HK$12,133
+HK$696/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,874/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,973
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,294
−HK$326/mo
Today · 4.125%
HK$12,620
baseline
▲ 0.50% · 4.625%
HK$13,285
+HK$665/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,240/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,556
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,946
−HK$397/mo
Today · 4.125%
HK$13,343
baseline
▲ 0.50% · 4.625%
HK$14,155
+HK$812/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,686/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,968
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,343
−HK$380/mo
Today · 4.125%
HK$14,723
baseline
▲ 0.50% · 4.625%
HK$15,499
+HK$776/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,446/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,143
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,645
−HK$510/mo
Today · 4.125%
HK$17,155
baseline
▲ 0.50% · 4.625%
HK$18,199
+HK$1,044/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,310/mo (50% DSR)
Upfront cash ≈ HK$393K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,959
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,441
−HK$488/mo
Today · 4.125%
HK$18,929
baseline
▲ 0.50% · 4.625%
HK$19,927
+HK$998/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,858/mo (50% DSR)
Upfront cash ≈ HK$393K (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).