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$7,759
−HK$486/mo
▼ 0.25% · 3.875%
HK$8,000
−HK$245/mo
Today · 4.125%
HK$8,245
baseline
▲ 0.50% · 4.625%
HK$8,747
+HK$502/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,490/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,632
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,863
−HK$235/mo
Today · 4.125%
HK$9,098
baseline
▲ 0.50% · 4.625%
HK$9,577
+HK$479/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,196/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,311
−HK$583/mo
▼ 0.25% · 3.875%
HK$9,600
−HK$294/mo
Today · 4.125%
HK$9,894
baseline
▲ 0.50% · 4.625%
HK$10,496
+HK$602/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,788/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,358
−HK$559/mo
▼ 0.25% · 3.875%
HK$10,636
−HK$281/mo
Today · 4.125%
HK$10,917
baseline
▲ 0.50% · 4.625%
HK$11,493
+HK$576/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,834/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,862
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,200
−HK$343/mo
Today · 4.125%
HK$11,543
baseline
▲ 0.50% · 4.625%
HK$12,246
+HK$703/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,086/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,084
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,408
−HK$329/mo
Today · 4.125%
HK$12,737
baseline
▲ 0.50% · 4.625%
HK$13,408
+HK$671/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,474/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,966
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,400
−HK$442/mo
Today · 4.125%
HK$14,842
baseline
▲ 0.50% · 4.625%
HK$15,745
+HK$903/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,684/mo (50% DSR)
Upfront cash ≈ HK$340K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,537
−HK$839/mo
▼ 0.25% · 3.875%
HK$15,954
−HK$422/mo
Today · 4.125%
HK$16,376
baseline
▲ 0.50% · 4.625%
HK$17,239
+HK$863/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,752/mo (50% DSR)
Upfront cash ≈ HK$340K (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).