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$8,424
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,686
−HK$267/mo
Today · 4.125%
HK$8,953
baseline
▲ 0.50% · 4.625%
HK$9,497
+HK$544/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,906/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,372
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,623
−HK$255/mo
Today · 4.125%
HK$9,878
baseline
▲ 0.50% · 4.625%
HK$10,399
+HK$521/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,756/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,109
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,424
−HK$319/mo
Today · 4.125%
HK$10,743
baseline
▲ 0.50% · 4.625%
HK$11,397
+HK$654/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,486/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,246
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,548
−HK$306/mo
Today · 4.125%
HK$11,854
baseline
▲ 0.50% · 4.625%
HK$12,479
+HK$625/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,708/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,794
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,161
−HK$373/mo
Today · 4.125%
HK$12,534
baseline
▲ 0.50% · 4.625%
HK$13,296
+HK$762/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,068/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,121
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,473
−HK$357/mo
Today · 4.125%
HK$13,830
baseline
▲ 0.50% · 4.625%
HK$14,559
+HK$729/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,660/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,164
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,635
−HK$480/mo
Today · 4.125%
HK$16,115
baseline
▲ 0.50% · 4.625%
HK$17,095
+HK$980/mo
Deposit HK$369K · loan HK$3.33M · min. income ≈ HK$32,230/mo (50% DSR)
Upfront cash ≈ HK$370K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,870
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,322
−HK$459/mo
Today · 4.125%
HK$17,781
baseline
▲ 0.50% · 4.625%
HK$18,718
+HK$937/mo
Deposit HK$369K · loan HK$3.33M · min. income ≈ HK$35,562/mo (50% DSR)
Upfront cash ≈ HK$370K (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).