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$7,953
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,200
−HK$251/mo
Today · 4.125%
HK$8,451
baseline
▲ 0.50% · 4.625%
HK$8,966
+HK$515/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,902/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,847
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,085
−HK$240/mo
Today · 4.125%
HK$9,325
baseline
▲ 0.50% · 4.625%
HK$9,817
+HK$492/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,650/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,543
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,840
−HK$302/mo
Today · 4.125%
HK$10,142
baseline
▲ 0.50% · 4.625%
HK$10,759
+HK$617/mo
Deposit HK$1.40M · loan HK$2.09M · min. income ≈ HK$20,284/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,617
−HK$573/mo
▼ 0.25% · 3.875%
HK$10,901
−HK$289/mo
Today · 4.125%
HK$11,190
baseline
▲ 0.50% · 4.625%
HK$11,780
+HK$590/mo
Deposit HK$1.40M · loan HK$2.09M · min. income ≈ HK$22,380/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,134
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,480
−HK$352/mo
Today · 4.125%
HK$11,832
baseline
▲ 0.50% · 4.625%
HK$12,552
+HK$720/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,664/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,386
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,718
−HK$337/mo
Today · 4.125%
HK$13,055
baseline
▲ 0.50% · 4.625%
HK$13,743
+HK$688/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$26,110/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,315
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,760
−HK$452/mo
Today · 4.125%
HK$15,212
baseline
▲ 0.50% · 4.625%
HK$16,138
+HK$926/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,424/mo (50% DSR)
Upfront cash ≈ HK$349K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,925
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,352
−HK$433/mo
Today · 4.125%
HK$16,785
baseline
▲ 0.50% · 4.625%
HK$17,670
+HK$885/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,570/mo (50% DSR)
Upfront cash ≈ HK$349K (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).