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$8,591
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,858
−HK$272/mo
Today · 4.125%
HK$9,130
baseline
▲ 0.50% · 4.625%
HK$9,685
+HK$555/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$18,260/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,557
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,813
−HK$261/mo
Today · 4.125%
HK$10,074
baseline
▲ 0.50% · 4.625%
HK$10,604
+HK$530/mo
Deposit HK$1.88M · loan HK$1.88M · min. income ≈ HK$20,148/mo (50% DSR)
Upfront cash ≈ HK$1.88M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,309
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,630
−HK$325/mo
Today · 4.125%
HK$10,955
baseline
▲ 0.50% · 4.625%
HK$11,622
+HK$667/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$21,910/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,469
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,776
−HK$312/mo
Today · 4.125%
HK$12,088
baseline
▲ 0.50% · 4.625%
HK$12,725
+HK$637/mo
Deposit HK$1.51M · loan HK$2.26M · min. income ≈ HK$24,176/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,027
−HK$754/mo
▼ 0.25% · 3.875%
HK$12,401
−HK$380/mo
Today · 4.125%
HK$12,781
baseline
▲ 0.50% · 4.625%
HK$13,559
+HK$778/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$25,562/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,380
−HK$723/mo
▼ 0.25% · 3.875%
HK$13,739
−HK$364/mo
Today · 4.125%
HK$14,103
baseline
▲ 0.50% · 4.625%
HK$14,846
+HK$743/mo
Deposit HK$1.13M · loan HK$2.64M · min. income ≈ HK$28,206/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,463
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,944
−HK$489/mo
Today · 4.125%
HK$16,433
baseline
▲ 0.50% · 4.625%
HK$17,433
+HK$1,000/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,866/mo (50% DSR)
Upfront cash ≈ HK$377K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,203
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,664
−HK$468/mo
Today · 4.125%
HK$18,132
baseline
▲ 0.50% · 4.625%
HK$19,088
+HK$956/mo
Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$36,264/mo (50% DSR)
Upfront cash ≈ HK$377K (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).