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$8,182
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,437
−HK$258/mo
Today · 4.125%
HK$8,695
baseline
▲ 0.50% · 4.625%
HK$9,225
+HK$530/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,390/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,103
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,347
−HK$248/mo
Today · 4.125%
HK$9,595
baseline
▲ 0.50% · 4.625%
HK$10,100
+HK$505/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,190/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,819
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,124
−HK$311/mo
Today · 4.125%
HK$10,435
baseline
▲ 0.50% · 4.625%
HK$11,069
+HK$634/mo
Deposit HK$1.44M · loan HK$2.15M · min. income ≈ HK$20,870/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,923
−HK$591/mo
▼ 0.25% · 3.875%
HK$11,216
−HK$298/mo
Today · 4.125%
HK$11,514
baseline
▲ 0.50% · 4.625%
HK$12,120
+HK$606/mo
Deposit HK$1.44M · loan HK$2.15M · min. income ≈ HK$23,028/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,455
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,812
−HK$362/mo
Today · 4.125%
HK$12,174
baseline
▲ 0.50% · 4.625%
HK$12,914
+HK$740/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,348/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,744
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,086
−HK$346/mo
Today · 4.125%
HK$13,432
baseline
▲ 0.50% · 4.625%
HK$14,140
+HK$708/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,864/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,728
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,186
−HK$466/mo
Today · 4.125%
HK$15,652
baseline
▲ 0.50% · 4.625%
HK$16,604
+HK$952/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,304/mo (50% DSR)
Upfront cash ≈ HK$359K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,385
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,824
−HK$446/mo
Today · 4.125%
HK$17,270
baseline
▲ 0.50% · 4.625%
HK$18,181
+HK$911/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,540/mo (50% DSR)
Upfront cash ≈ HK$359K (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).