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$8,232
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,488
−HK$260/mo
Today · 4.125%
HK$8,748
baseline
▲ 0.50% · 4.625%
HK$9,280
+HK$532/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,496/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,158
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,404
−HK$249/mo
Today · 4.125%
HK$9,653
baseline
▲ 0.50% · 4.625%
HK$10,161
+HK$508/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,306/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,878
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,186
−HK$312/mo
Today · 4.125%
HK$10,498
baseline
▲ 0.50% · 4.625%
HK$11,136
+HK$638/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$20,996/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,989
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,284
−HK$299/mo
Today · 4.125%
HK$11,583
baseline
▲ 0.50% · 4.625%
HK$12,194
+HK$611/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$23,166/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,525
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,883
−HK$364/mo
Today · 4.125%
HK$12,247
baseline
▲ 0.50% · 4.625%
HK$12,993
+HK$746/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,494/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,821
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,165
−HK$349/mo
Today · 4.125%
HK$13,514
baseline
▲ 0.50% · 4.625%
HK$14,226
+HK$712/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,028/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,817
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,278
−HK$469/mo
Today · 4.125%
HK$15,747
baseline
▲ 0.50% · 4.625%
HK$16,705
+HK$958/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,494/mo (50% DSR)
Upfront cash ≈ HK$361K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,484
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,926
−HK$449/mo
Today · 4.125%
HK$17,375
baseline
▲ 0.50% · 4.625%
HK$18,291
+HK$916/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,750/mo (50% DSR)
Upfront cash ≈ HK$361K (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).