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$8,862
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,138
−HK$280/mo
Today · 4.125%
HK$9,418
baseline
▲ 0.50% · 4.625%
HK$9,991
+HK$573/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,836/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,859
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,123
−HK$268/mo
Today · 4.125%
HK$10,391
baseline
▲ 0.50% · 4.625%
HK$10,939
+HK$548/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,782/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,634
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,965
−HK$336/mo
Today · 4.125%
HK$11,301
baseline
▲ 0.50% · 4.625%
HK$11,989
+HK$688/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,602/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,831
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,148
−HK$322/mo
Today · 4.125%
HK$12,470
baseline
▲ 0.50% · 4.625%
HK$13,127
+HK$657/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,940/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,407
−HK$778/mo
▼ 0.25% · 3.875%
HK$12,793
−HK$392/mo
Today · 4.125%
HK$13,185
baseline
▲ 0.50% · 4.625%
HK$13,987
+HK$802/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$26,370/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,802
−HK$746/mo
▼ 0.25% · 3.875%
HK$14,173
−HK$375/mo
Today · 4.125%
HK$14,548
baseline
▲ 0.50% · 4.625%
HK$15,315
+HK$767/mo
Deposit HK$1.17M · loan HK$2.72M · min. income ≈ HK$29,096/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,951
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,448
−HK$504/mo
Today · 4.125%
HK$16,952
baseline
▲ 0.50% · 4.625%
HK$17,983
+HK$1,031/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$33,904/mo (50% DSR)
Upfront cash ≈ HK$389K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,746
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,222
−HK$483/mo
Today · 4.125%
HK$18,705
baseline
▲ 0.50% · 4.625%
HK$19,691
+HK$986/mo
Deposit HK$389K · loan HK$3.50M · min. income ≈ HK$37,410/mo (50% DSR)
Upfront cash ≈ HK$389K (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).