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$8,253
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,510
−HK$261/mo
Today · 4.125%
HK$8,771
baseline
▲ 0.50% · 4.625%
HK$9,304
+HK$533/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,542/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,182
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,428
−HK$250/mo
Today · 4.125%
HK$9,678
baseline
▲ 0.50% · 4.625%
HK$10,188
+HK$510/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,356/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,904
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,212
−HK$313/mo
Today · 4.125%
HK$10,525
baseline
▲ 0.50% · 4.625%
HK$11,165
+HK$640/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,050/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,018
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,313
−HK$300/mo
Today · 4.125%
HK$11,613
baseline
▲ 0.50% · 4.625%
HK$12,225
+HK$612/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,226/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,554
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,914
−HK$365/mo
Today · 4.125%
HK$12,279
baseline
▲ 0.50% · 4.625%
HK$13,026
+HK$747/mo
Deposit HK$1.09M · loan HK$2.53M · min. income ≈ HK$24,558/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$12,854
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,199
−HK$350/mo
Today · 4.125%
HK$13,549
baseline
▲ 0.50% · 4.625%
HK$14,263
+HK$714/mo
Deposit HK$1.09M · loan HK$2.53M · min. income ≈ HK$27,098/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$14,856
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,318
−HK$469/mo
Today · 4.125%
HK$15,787
baseline
▲ 0.50% · 4.625%
HK$16,748
+HK$961/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$31,574/mo (50% DSR)
Upfront cash ≈ HK$362K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,527
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,970
−HK$450/mo
Today · 4.125%
HK$17,420
baseline
▲ 0.50% · 4.625%
HK$18,338
+HK$918/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$34,840/mo (50% DSR)
Upfront cash ≈ HK$362K (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).