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$8,592
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,859
−HK$272/mo
Today · 4.125%
HK$9,131
baseline
▲ 0.50% · 4.625%
HK$9,686
+HK$555/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,262/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,559
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,815
−HK$260/mo
Today · 4.125%
HK$10,075
baseline
▲ 0.50% · 4.625%
HK$10,606
+HK$531/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,150/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,310
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,631
−HK$326/mo
Today · 4.125%
HK$10,957
baseline
▲ 0.50% · 4.625%
HK$11,624
+HK$667/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,914/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,470
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,778
−HK$312/mo
Today · 4.125%
HK$12,090
baseline
▲ 0.50% · 4.625%
HK$12,727
+HK$637/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,180/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,029
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,403
−HK$380/mo
Today · 4.125%
HK$12,783
baseline
▲ 0.50% · 4.625%
HK$13,561
+HK$778/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,566/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,382
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,741
−HK$364/mo
Today · 4.125%
HK$14,105
baseline
▲ 0.50% · 4.625%
HK$14,848
+HK$743/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,210/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,466
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,947
−HK$489/mo
Today · 4.125%
HK$16,436
baseline
▲ 0.50% · 4.625%
HK$17,436
+HK$1,000/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,872/mo (50% DSR)
Upfront cash ≈ HK$377K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,205
−HK$930/mo
▼ 0.25% · 3.875%
HK$17,667
−HK$468/mo
Today · 4.125%
HK$18,135
baseline
▲ 0.50% · 4.625%
HK$19,091
+HK$956/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,270/mo (50% DSR)
Upfront cash ≈ HK$377K (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).