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$8,652
−HK$542/mo
▼ 0.25% · 3.875%
HK$8,921
−HK$273/mo
Today · 4.125%
HK$9,194
baseline
▲ 0.50% · 4.625%
HK$9,754
+HK$560/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$18,388/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,625
−HK$520/mo
▼ 0.25% · 3.875%
HK$9,883
−HK$262/mo
Today · 4.125%
HK$10,145
baseline
▲ 0.50% · 4.625%
HK$10,680
+HK$535/mo
Deposit HK$1.90M · loan HK$1.90M · min. income ≈ HK$20,290/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,382
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,705
−HK$328/mo
Today · 4.125%
HK$11,033
baseline
▲ 0.50% · 4.625%
HK$11,704
+HK$671/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$22,066/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,550
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,860
−HK$314/mo
Today · 4.125%
HK$12,174
baseline
▲ 0.50% · 4.625%
HK$12,816
+HK$642/mo
Deposit HK$1.52M · loan HK$2.28M · min. income ≈ HK$24,348/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,112
−HK$760/mo
▼ 0.25% · 3.875%
HK$12,489
−HK$383/mo
Today · 4.125%
HK$12,872
baseline
▲ 0.50% · 4.625%
HK$13,655
+HK$783/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$25,744/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,475
−HK$728/mo
▼ 0.25% · 3.875%
HK$13,836
−HK$367/mo
Today · 4.125%
HK$14,203
baseline
▲ 0.50% · 4.625%
HK$14,952
+HK$749/mo
Deposit HK$1.14M · loan HK$2.66M · min. income ≈ HK$28,406/mo (50% DSR)
Upfront cash ≈ HK$1.14M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,573
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,057
−HK$493/mo
Today · 4.125%
HK$16,550
baseline
▲ 0.50% · 4.625%
HK$17,557
+HK$1,007/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$33,100/mo (50% DSR)
Upfront cash ≈ HK$380K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,325
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,789
−HK$472/mo
Today · 4.125%
HK$18,261
baseline
▲ 0.50% · 4.625%
HK$19,223
+HK$962/mo
Deposit HK$379K · loan HK$3.41M · min. income ≈ HK$36,522/mo (50% DSR)
Upfront cash ≈ HK$380K (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).