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$8,771
−HK$550/mo
▼ 0.25% · 3.875%
HK$9,044
−HK$277/mo
Today · 4.125%
HK$9,321
baseline
▲ 0.50% · 4.625%
HK$9,889
+HK$568/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,642/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,758
−HK$527/mo
▼ 0.25% · 3.875%
HK$10,020
−HK$265/mo
Today · 4.125%
HK$10,285
baseline
▲ 0.50% · 4.625%
HK$10,827
+HK$542/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,570/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,526
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,853
−HK$333/mo
Today · 4.125%
HK$11,186
baseline
▲ 0.50% · 4.625%
HK$11,866
+HK$680/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$22,372/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,710
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,024
−HK$318/mo
Today · 4.125%
HK$12,342
baseline
▲ 0.50% · 4.625%
HK$12,993
+HK$651/mo
Deposit HK$1.54M · loan HK$2.31M · min. income ≈ HK$24,684/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,280
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,662
−HK$388/mo
Today · 4.125%
HK$13,050
baseline
▲ 0.50% · 4.625%
HK$13,844
+HK$794/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,100/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,661
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,028
−HK$371/mo
Today · 4.125%
HK$14,399
baseline
▲ 0.50% · 4.625%
HK$15,158
+HK$759/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,798/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,788
−HK$991/mo
▼ 0.25% · 3.875%
HK$16,280
−HK$499/mo
Today · 4.125%
HK$16,779
baseline
▲ 0.50% · 4.625%
HK$17,799
+HK$1,020/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$33,558/mo (50% DSR)
Upfront cash ≈ HK$385K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,565
−HK$948/mo
▼ 0.25% · 3.875%
HK$18,036
−HK$477/mo
Today · 4.125%
HK$18,513
baseline
▲ 0.50% · 4.625%
HK$19,489
+HK$976/mo
Deposit HK$385K · loan HK$3.46M · min. income ≈ HK$37,026/mo (50% DSR)
Upfront cash ≈ HK$385K (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).