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$8,314
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,572
−HK$263/mo
Today · 4.125%
HK$8,835
baseline
▲ 0.50% · 4.625%
HK$9,373
+HK$538/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,670/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,249
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,497
−HK$252/mo
Today · 4.125%
HK$9,749
baseline
▲ 0.50% · 4.625%
HK$10,262
+HK$513/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,498/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,976
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,287
−HK$315/mo
Today · 4.125%
HK$10,602
baseline
▲ 0.50% · 4.625%
HK$11,247
+HK$645/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,204/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,099
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,396
−HK$302/mo
Today · 4.125%
HK$11,698
baseline
▲ 0.50% · 4.625%
HK$12,315
+HK$617/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,396/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,639
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,001
−HK$368/mo
Today · 4.125%
HK$12,369
baseline
▲ 0.50% · 4.625%
HK$13,122
+HK$753/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,738/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,948
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,296
−HK$352/mo
Today · 4.125%
HK$13,648
baseline
▲ 0.50% · 4.625%
HK$14,367
+HK$719/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,296/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,965
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,430
−HK$473/mo
Today · 4.125%
HK$15,903
baseline
▲ 0.50% · 4.625%
HK$16,871
+HK$968/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$31,806/mo (50% DSR)
Upfront cash ≈ HK$365K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,648
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,095
−HK$453/mo
Today · 4.125%
HK$17,548
baseline
▲ 0.50% · 4.625%
HK$18,472
+HK$924/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$35,096/mo (50% DSR)
Upfront cash ≈ HK$365K (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).