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$7,618
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,854
−HK$241/mo
Today · 4.125%
HK$8,095
baseline
▲ 0.50% · 4.625%
HK$8,588
+HK$493/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,190/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,474
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,702
−HK$230/mo
Today · 4.125%
HK$8,932
baseline
▲ 0.50% · 4.625%
HK$9,403
+HK$471/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,864/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,141
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,425
−HK$289/mo
Today · 4.125%
HK$9,714
baseline
▲ 0.50% · 4.625%
HK$10,305
+HK$591/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$19,428/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,169
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,442
−HK$277/mo
Today · 4.125%
HK$10,719
baseline
▲ 0.50% · 4.625%
HK$11,284
+HK$565/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$21,438/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,665
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,996
−HK$337/mo
Today · 4.125%
HK$11,333
baseline
▲ 0.50% · 4.625%
HK$12,023
+HK$690/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,666/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,864
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,182
−HK$323/mo
Today · 4.125%
HK$12,505
baseline
▲ 0.50% · 4.625%
HK$13,164
+HK$659/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,010/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,712
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,138
−HK$433/mo
Today · 4.125%
HK$14,571
baseline
▲ 0.50% · 4.625%
HK$15,458
+HK$887/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$29,142/mo (50% DSR)
Upfront cash ≈ HK$334K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,254
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,663
−HK$415/mo
Today · 4.125%
HK$16,078
baseline
▲ 0.50% · 4.625%
HK$16,926
+HK$848/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$32,156/mo (50% DSR)
Upfront cash ≈ HK$334K (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).