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$8,512
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,777
−HK$269/mo
Today · 4.125%
HK$9,046
baseline
▲ 0.50% · 4.625%
HK$9,597
+HK$551/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,092/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,470
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,724
−HK$258/mo
Today · 4.125%
HK$9,982
baseline
▲ 0.50% · 4.625%
HK$10,508
+HK$526/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,964/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,215
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,533
−HK$322/mo
Today · 4.125%
HK$10,855
baseline
▲ 0.50% · 4.625%
HK$11,516
+HK$661/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,710/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,364
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,669
−HK$309/mo
Today · 4.125%
HK$11,978
baseline
▲ 0.50% · 4.625%
HK$12,609
+HK$631/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,956/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,917
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,288
−HK$377/mo
Today · 4.125%
HK$12,665
baseline
▲ 0.50% · 4.625%
HK$13,435
+HK$770/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,330/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,258
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,614
−HK$360/mo
Today · 4.125%
HK$13,974
baseline
▲ 0.50% · 4.625%
HK$14,711
+HK$737/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,948/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,322
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,799
−HK$484/mo
Today · 4.125%
HK$16,283
baseline
▲ 0.50% · 4.625%
HK$17,274
+HK$991/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$32,566/mo (50% DSR)
Upfront cash ≈ HK$373K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,046
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,503
−HK$464/mo
Today · 4.125%
HK$17,967
baseline
▲ 0.50% · 4.625%
HK$18,914
+HK$947/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$35,934/mo (50% DSR)
Upfront cash ≈ HK$373K (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).