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$8,866
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,142
−HK$280/mo
Today · 4.125%
HK$9,422
baseline
▲ 0.50% · 4.625%
HK$9,995
+HK$573/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,844/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,863
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,128
−HK$268/mo
Today · 4.125%
HK$10,396
baseline
▲ 0.50% · 4.625%
HK$10,944
+HK$548/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,792/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,639
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,970
−HK$336/mo
Today · 4.125%
HK$11,306
baseline
▲ 0.50% · 4.625%
HK$11,994
+HK$688/mo
Deposit HK$1.56M · loan HK$2.33M · min. income ≈ HK$22,612/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,836
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,153
−HK$322/mo
Today · 4.125%
HK$12,475
baseline
▲ 0.50% · 4.625%
HK$13,133
+HK$658/mo
Deposit HK$1.56M · loan HK$2.33M · min. income ≈ HK$24,950/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,412
−HK$779/mo
▼ 0.25% · 3.875%
HK$12,798
−HK$393/mo
Today · 4.125%
HK$13,191
baseline
▲ 0.50% · 4.625%
HK$13,993
+HK$802/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,382/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,808
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,179
−HK$375/mo
Today · 4.125%
HK$14,554
baseline
▲ 0.50% · 4.625%
HK$15,322
+HK$768/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,108/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,959
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,455
−HK$504/mo
Today · 4.125%
HK$16,959
baseline
▲ 0.50% · 4.625%
HK$17,991
+HK$1,032/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,918/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,754
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,230
−HK$483/mo
Today · 4.125%
HK$18,713
baseline
▲ 0.50% · 4.625%
HK$19,699
+HK$986/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,426/mo (50% DSR)
Upfront cash ≈ HK$389K (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).