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$8,712
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,982
−HK$276/mo
Today · 4.125%
HK$9,258
baseline
▲ 0.50% · 4.625%
HK$9,821
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,516/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,691
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,951
−HK$264/mo
Today · 4.125%
HK$10,215
baseline
▲ 0.50% · 4.625%
HK$10,754
+HK$539/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,430/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,454
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,779
−HK$330/mo
Today · 4.125%
HK$11,109
baseline
▲ 0.50% · 4.625%
HK$11,785
+HK$676/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,218/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,630
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,942
−HK$316/mo
Today · 4.125%
HK$12,258
baseline
▲ 0.50% · 4.625%
HK$12,904
+HK$646/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,516/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,196
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,575
−HK$386/mo
Today · 4.125%
HK$12,961
baseline
▲ 0.50% · 4.625%
HK$13,750
+HK$789/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$25,922/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,568
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,932
−HK$369/mo
Today · 4.125%
HK$14,301
baseline
▲ 0.50% · 4.625%
HK$15,055
+HK$754/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$28,602/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,681
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,168
−HK$496/mo
Today · 4.125%
HK$16,664
baseline
▲ 0.50% · 4.625%
HK$17,678
+HK$1,014/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,328/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,445
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,912
−HK$475/mo
Today · 4.125%
HK$18,387
baseline
▲ 0.50% · 4.625%
HK$19,356
+HK$969/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,774/mo (50% DSR)
Upfront cash ≈ HK$382K (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).