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$8,966
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,245
−HK$283/mo
Today · 4.125%
HK$9,528
baseline
▲ 0.50% · 4.625%
HK$10,108
+HK$580/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,056/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,975
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,242
−HK$272/mo
Today · 4.125%
HK$10,514
baseline
▲ 0.50% · 4.625%
HK$11,068
+HK$554/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,028/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,759
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,094
−HK$340/mo
Today · 4.125%
HK$11,434
baseline
▲ 0.50% · 4.625%
HK$12,130
+HK$696/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,868/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,970
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,291
−HK$325/mo
Today · 4.125%
HK$12,616
baseline
▲ 0.50% · 4.625%
HK$13,281
+HK$665/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,232/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,553
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,943
−HK$397/mo
Today · 4.125%
HK$13,340
baseline
▲ 0.50% · 4.625%
HK$14,152
+HK$812/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,680/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,965
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,339
−HK$380/mo
Today · 4.125%
HK$14,719
baseline
▲ 0.50% · 4.625%
HK$15,495
+HK$776/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,438/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,139
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$16,641
−HK$510/mo
Today · 4.125%
HK$17,151
baseline
▲ 0.50% · 4.625%
HK$18,195
+HK$1,044/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,302/mo (50% DSR)
Upfront cash ≈ HK$393K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,955
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,436
−HK$489/mo
Today · 4.125%
HK$18,925
baseline
▲ 0.50% · 4.625%
HK$19,922
+HK$997/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,850/mo (50% DSR)
Upfront cash ≈ HK$393K (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).