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$8,869
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,145
−HK$280/mo
Today · 4.125%
HK$9,425
baseline
▲ 0.50% · 4.625%
HK$9,999
+HK$574/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,850/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$9,867
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,131
−HK$269/mo
Today · 4.125%
HK$10,400
baseline
▲ 0.50% · 4.625%
HK$10,948
+HK$548/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,800/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$10,643
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,974
−HK$336/mo
Today · 4.125%
HK$11,310
baseline
▲ 0.50% · 4.625%
HK$11,998
+HK$688/mo
Deposit HK$1.56M · loan HK$2.33M · min. income ≈ HK$22,620/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$11,840
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,157
−HK$323/mo
Today · 4.125%
HK$12,480
baseline
▲ 0.50% · 4.625%
HK$13,137
+HK$657/mo
Deposit HK$1.56M · loan HK$2.33M · min. income ≈ HK$24,960/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$12,417
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,803
−HK$392/mo
Today · 4.125%
HK$13,195
baseline
▲ 0.50% · 4.625%
HK$13,998
+HK$803/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,390/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$13,813
−HK$747/mo
▼ 0.25% · 3.875%
HK$14,184
−HK$376/mo
Today · 4.125%
HK$14,560
baseline
▲ 0.50% · 4.625%
HK$15,327
+HK$767/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,120/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$15,964
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,461
−HK$504/mo
Today · 4.125%
HK$16,965
baseline
▲ 0.50% · 4.625%
HK$17,997
+HK$1,032/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,930/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$17,760
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,236
−HK$483/mo
Today · 4.125%
HK$18,719
baseline
▲ 0.50% · 4.625%
HK$19,706
+HK$987/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,438/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).