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$8,800
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,073
−HK$279/mo
Today · 4.125%
HK$9,352
baseline
▲ 0.50% · 4.625%
HK$9,921
+HK$569/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,704/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$9,790
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,052
−HK$267/mo
Today · 4.125%
HK$10,319
baseline
▲ 0.50% · 4.625%
HK$10,862
+HK$543/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,638/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$10,560
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,888
−HK$334/mo
Today · 4.125%
HK$11,222
baseline
▲ 0.50% · 4.625%
HK$11,905
+HK$683/mo
Deposit HK$1.54M · loan HK$2.32M · min. income ≈ HK$22,444/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$11,748
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,063
−HK$319/mo
Today · 4.125%
HK$12,382
baseline
▲ 0.50% · 4.625%
HK$13,035
+HK$653/mo
Deposit HK$1.54M · loan HK$2.32M · min. income ≈ HK$24,764/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$12,320
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,703
−HK$389/mo
Today · 4.125%
HK$13,092
baseline
▲ 0.50% · 4.625%
HK$13,889
+HK$797/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$26,184/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$13,706
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,073
−HK$373/mo
Today · 4.125%
HK$14,446
baseline
▲ 0.50% · 4.625%
HK$15,207
+HK$761/mo
Deposit HK$1.16M · loan HK$2.70M · min. income ≈ HK$28,892/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$15,840
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,332
−HK$501/mo
Today · 4.125%
HK$16,833
baseline
▲ 0.50% · 4.625%
HK$17,857
+HK$1,024/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$33,666/mo (50% DSR)
Upfront cash ≈ HK$386K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,621
−HK$952/mo
▼ 0.25% · 3.875%
HK$18,094
−HK$479/mo
Today · 4.125%
HK$18,573
baseline
▲ 0.50% · 4.625%
HK$19,552
+HK$979/mo
Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$37,146/mo (50% DSR)
Upfront cash ≈ HK$386K (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).