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$8,780
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,053
−HK$277/mo
Today · 4.125%
HK$9,330
baseline
▲ 0.50% · 4.625%
HK$9,898
+HK$568/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,660/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,767
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,029
−HK$266/mo
Today · 4.125%
HK$10,295
baseline
▲ 0.50% · 4.625%
HK$10,838
+HK$543/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,590/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,536
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,864
−HK$333/mo
Today · 4.125%
HK$11,197
baseline
▲ 0.50% · 4.625%
HK$11,878
+HK$681/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,394/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,721
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,035
−HK$319/mo
Today · 4.125%
HK$12,354
baseline
▲ 0.50% · 4.625%
HK$13,005
+HK$651/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,708/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,292
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,674
−HK$389/mo
Today · 4.125%
HK$13,063
baseline
▲ 0.50% · 4.625%
HK$13,857
+HK$794/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,126/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,674
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,041
−HK$372/mo
Today · 4.125%
HK$14,413
baseline
▲ 0.50% · 4.625%
HK$15,173
+HK$760/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,826/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,804
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,295
−HK$500/mo
Today · 4.125%
HK$16,795
baseline
▲ 0.50% · 4.625%
HK$17,817
+HK$1,022/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$33,590/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,581
−HK$950/mo
▼ 0.25% · 3.875%
HK$18,053
−HK$478/mo
Today · 4.125%
HK$18,531
baseline
▲ 0.50% · 4.625%
HK$19,508
+HK$977/mo
Deposit HK$385K · loan HK$3.47M · min. income ≈ HK$37,062/mo (50% DSR)
Upfront cash ≈ HK$385K (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).