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$7,798
−HK$489/mo
▼ 0.25% · 3.875%
HK$8,040
−HK$247/mo
Today · 4.125%
HK$8,287
baseline
▲ 0.50% · 4.625%
HK$8,791
+HK$504/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$16,574/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,675
−HK$469/mo
▼ 0.25% · 3.875%
HK$8,908
−HK$236/mo
Today · 4.125%
HK$9,144
baseline
▲ 0.50% · 4.625%
HK$9,626
+HK$482/mo
Deposit HK$1.71M · loan HK$1.71M · min. income ≈ HK$18,288/mo (50% DSR)
Upfront cash ≈ HK$1.71M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,357
−HK$587/mo
▼ 0.25% · 3.875%
HK$9,649
−HK$295/mo
Today · 4.125%
HK$9,944
baseline
▲ 0.50% · 4.625%
HK$10,549
+HK$605/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$19,888/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,410
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,689
−HK$284/mo
Today · 4.125%
HK$10,973
baseline
▲ 0.50% · 4.625%
HK$11,551
+HK$578/mo
Deposit HK$1.37M · loan HK$2.05M · min. income ≈ HK$21,946/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,917
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,257
−HK$345/mo
Today · 4.125%
HK$11,602
baseline
▲ 0.50% · 4.625%
HK$12,308
+HK$706/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$23,204/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,145
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,471
−HK$330/mo
Today · 4.125%
HK$12,801
baseline
▲ 0.50% · 4.625%
HK$13,476
+HK$675/mo
Deposit HK$1.03M · loan HK$2.39M · min. income ≈ HK$25,602/mo (50% DSR)
Upfront cash ≈ HK$1.03M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,036
−HK$880/mo
▼ 0.25% · 3.875%
HK$14,473
−HK$443/mo
Today · 4.125%
HK$14,916
baseline
▲ 0.50% · 4.625%
HK$15,824
+HK$908/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$29,832/mo (50% DSR)
Upfront cash ≈ HK$342K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,615
−HK$844/mo
▼ 0.25% · 3.875%
HK$16,034
−HK$425/mo
Today · 4.125%
HK$16,459
baseline
▲ 0.50% · 4.625%
HK$17,326
+HK$867/mo
Deposit HK$342K · loan HK$3.08M · min. income ≈ HK$32,918/mo (50% DSR)
Upfront cash ≈ HK$342K (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).