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$8,893
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,169
−HK$282/mo
Today · 4.125%
HK$9,451
baseline
▲ 0.50% · 4.625%
HK$10,026
+HK$575/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$18,902/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,893
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,159
−HK$269/mo
Today · 4.125%
HK$10,428
baseline
▲ 0.50% · 4.625%
HK$10,977
+HK$549/mo
Deposit HK$1.95M · loan HK$1.95M · min. income ≈ HK$20,856/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,671
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,003
−HK$338/mo
Today · 4.125%
HK$11,341
baseline
▲ 0.50% · 4.625%
HK$12,031
+HK$690/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$22,682/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$11,872
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,190
−HK$323/mo
Today · 4.125%
HK$12,513
baseline
▲ 0.50% · 4.625%
HK$13,173
+HK$660/mo
Deposit HK$1.56M · loan HK$2.34M · min. income ≈ HK$25,026/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$12,450
−HK$781/mo
▼ 0.25% · 3.875%
HK$12,837
−HK$394/mo
Today · 4.125%
HK$13,231
baseline
▲ 0.50% · 4.625%
HK$14,036
+HK$805/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$26,462/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$13,851
−HK$748/mo
▼ 0.25% · 3.875%
HK$14,222
−HK$377/mo
Today · 4.125%
HK$14,599
baseline
▲ 0.50% · 4.625%
HK$15,368
+HK$769/mo
Deposit HK$1.17M · loan HK$2.73M · min. income ≈ HK$29,198/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$16,007
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$16,505
−HK$506/mo
Today · 4.125%
HK$17,011
baseline
▲ 0.50% · 4.625%
HK$18,046
+HK$1,035/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,022/mo (50% DSR)
Upfront cash ≈ HK$390K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,808
−HK$962/mo
▼ 0.25% · 3.875%
HK$18,285
−HK$485/mo
Today · 4.125%
HK$18,770
baseline
▲ 0.50% · 4.625%
HK$19,759
+HK$989/mo
Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$37,540/mo (50% DSR)
Upfront cash ≈ HK$390K (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).