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$8,713
−HK$546/mo
▼ 0.25% · 3.875%
HK$8,984
−HK$275/mo
Today · 4.125%
HK$9,259
baseline
▲ 0.50% · 4.625%
HK$9,823
+HK$564/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,518/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,693
−HK$524/mo
▼ 0.25% · 3.875%
HK$9,953
−HK$264/mo
Today · 4.125%
HK$10,217
baseline
▲ 0.50% · 4.625%
HK$10,755
+HK$538/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,434/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,455
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,781
−HK$330/mo
Today · 4.125%
HK$11,111
baseline
▲ 0.50% · 4.625%
HK$11,787
+HK$676/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,222/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,632
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,944
−HK$316/mo
Today · 4.125%
HK$12,260
baseline
▲ 0.50% · 4.625%
HK$12,906
+HK$646/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,520/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,198
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,577
−HK$386/mo
Today · 4.125%
HK$12,963
baseline
▲ 0.50% · 4.625%
HK$13,752
+HK$789/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$25,926/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$13,570
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,934
−HK$369/mo
Today · 4.125%
HK$14,303
baseline
▲ 0.50% · 4.625%
HK$15,057
+HK$754/mo
Deposit HK$1.15M · loan HK$2.67M · min. income ≈ HK$28,606/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$15,683
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,171
−HK$496/mo
Today · 4.125%
HK$16,667
baseline
▲ 0.50% · 4.625%
HK$17,681
+HK$1,014/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,334/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,447
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,915
−HK$475/mo
Today · 4.125%
HK$18,390
baseline
▲ 0.50% · 4.625%
HK$19,359
+HK$969/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,780/mo (50% DSR)
Upfront cash ≈ HK$382K (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).