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$8,126
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,379
−HK$257/mo
Today · 4.125%
HK$8,636
baseline
▲ 0.50% · 4.625%
HK$9,162
+HK$526/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,272/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,041
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,283
−HK$246/mo
Today · 4.125%
HK$9,529
baseline
▲ 0.50% · 4.625%
HK$10,031
+HK$502/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,058/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,752
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,055
−HK$308/mo
Today · 4.125%
HK$10,363
baseline
▲ 0.50% · 4.625%
HK$10,994
+HK$631/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,726/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,849
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,140
−HK$295/mo
Today · 4.125%
HK$11,435
baseline
▲ 0.50% · 4.625%
HK$12,038
+HK$603/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,870/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,377
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,731
−HK$359/mo
Today · 4.125%
HK$12,090
baseline
▲ 0.50% · 4.625%
HK$12,826
+HK$736/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,180/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,657
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,996
−HK$345/mo
Today · 4.125%
HK$13,341
baseline
▲ 0.50% · 4.625%
HK$14,044
+HK$703/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,682/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,628
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,083
−HK$462/mo
Today · 4.125%
HK$15,545
baseline
▲ 0.50% · 4.625%
HK$16,491
+HK$946/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$31,090/mo (50% DSR)
Upfront cash ≈ HK$356K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,273
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,710
−HK$442/mo
Today · 4.125%
HK$17,152
baseline
▲ 0.50% · 4.625%
HK$18,056
+HK$904/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$34,304/mo (50% DSR)
Upfront cash ≈ HK$356K (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).