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$8,974
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,253
−HK$284/mo
Today · 4.125%
HK$9,537
baseline
▲ 0.50% · 4.625%
HK$10,117
+HK$580/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,074/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,983
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,251
−HK$272/mo
Today · 4.125%
HK$10,523
baseline
▲ 0.50% · 4.625%
HK$11,078
+HK$555/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,046/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,769
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,104
−HK$340/mo
Today · 4.125%
HK$11,444
baseline
▲ 0.50% · 4.625%
HK$12,140
+HK$696/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,888/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,980
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,301
−HK$326/mo
Today · 4.125%
HK$12,627
baseline
▲ 0.50% · 4.625%
HK$13,293
+HK$666/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,254/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,564
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,954
−HK$397/mo
Today · 4.125%
HK$13,351
baseline
▲ 0.50% · 4.625%
HK$14,164
+HK$813/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,702/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,977
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,352
−HK$380/mo
Today · 4.125%
HK$14,732
baseline
▲ 0.50% · 4.625%
HK$15,509
+HK$777/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,464/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,153
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,656
−HK$510/mo
Today · 4.125%
HK$17,166
baseline
▲ 0.50% · 4.625%
HK$18,211
+HK$1,045/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$34,332/mo (50% DSR)
Upfront cash ≈ HK$394K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,970
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,452
−HK$489/mo
Today · 4.125%
HK$18,941
baseline
▲ 0.50% · 4.625%
HK$19,940
+HK$999/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$37,882/mo (50% DSR)
Upfront cash ≈ HK$394K (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).