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$8,326
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,585
−HK$264/mo
Today · 4.125%
HK$8,849
baseline
▲ 0.50% · 4.625%
HK$9,387
+HK$538/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,698/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,263
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,512
−HK$252/mo
Today · 4.125%
HK$9,764
baseline
▲ 0.50% · 4.625%
HK$10,278
+HK$514/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,528/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,992
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,303
−HK$315/mo
Today · 4.125%
HK$10,618
baseline
▲ 0.50% · 4.625%
HK$11,264
+HK$646/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,236/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,116
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,414
−HK$302/mo
Today · 4.125%
HK$11,716
baseline
▲ 0.50% · 4.625%
HK$12,334
+HK$618/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,432/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,657
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,020
−HK$368/mo
Today · 4.125%
HK$12,388
baseline
▲ 0.50% · 4.625%
HK$13,142
+HK$754/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,776/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,968
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,316
−HK$353/mo
Today · 4.125%
HK$13,669
baseline
▲ 0.50% · 4.625%
HK$14,390
+HK$721/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,338/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,988
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,454
−HK$474/mo
Today · 4.125%
HK$15,928
baseline
▲ 0.50% · 4.625%
HK$16,897
+HK$969/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$31,856/mo (50% DSR)
Upfront cash ≈ HK$365K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,674
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,121
−HK$453/mo
Today · 4.125%
HK$17,574
baseline
▲ 0.50% · 4.625%
HK$18,501
+HK$927/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$35,148/mo (50% DSR)
Upfront cash ≈ HK$365K (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).