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$8,263
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,520
−HK$262/mo
Today · 4.125%
HK$8,782
baseline
▲ 0.50% · 4.625%
HK$9,316
+HK$534/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,564/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,193
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,439
−HK$251/mo
Today · 4.125%
HK$9,690
baseline
▲ 0.50% · 4.625%
HK$10,200
+HK$510/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,380/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,916
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,225
−HK$313/mo
Today · 4.125%
HK$10,538
baseline
▲ 0.50% · 4.625%
HK$11,179
+HK$641/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,076/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,032
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,327
−HK$301/mo
Today · 4.125%
HK$11,628
baseline
▲ 0.50% · 4.625%
HK$12,240
+HK$612/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,256/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,569
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,929
−HK$365/mo
Today · 4.125%
HK$12,294
baseline
▲ 0.50% · 4.625%
HK$13,042
+HK$748/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,588/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,870
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,215
−HK$350/mo
Today · 4.125%
HK$13,565
baseline
▲ 0.50% · 4.625%
HK$14,281
+HK$716/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,130/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,874
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,337
−HK$470/mo
Today · 4.125%
HK$15,807
baseline
▲ 0.50% · 4.625%
HK$16,769
+HK$962/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$31,614/mo (50% DSR)
Upfront cash ≈ HK$362K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,547
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,991
−HK$450/mo
Today · 4.125%
HK$17,441
baseline
▲ 0.50% · 4.625%
HK$18,361
+HK$920/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$34,882/mo (50% DSR)
Upfront cash ≈ HK$362K (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).