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$8,174
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,428
−HK$259/mo
Today · 4.125%
HK$8,687
baseline
▲ 0.50% · 4.625%
HK$9,215
+HK$528/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,374/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$9,094
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,338
−HK$247/mo
Today · 4.125%
HK$9,585
baseline
▲ 0.50% · 4.625%
HK$10,090
+HK$505/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,170/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$9,809
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,114
−HK$310/mo
Today · 4.125%
HK$10,424
baseline
▲ 0.50% · 4.625%
HK$11,058
+HK$634/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,848/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,912
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,205
−HK$297/mo
Today · 4.125%
HK$11,502
baseline
▲ 0.50% · 4.625%
HK$12,108
+HK$606/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$23,004/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,444
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,800
−HK$361/mo
Today · 4.125%
HK$12,161
baseline
▲ 0.50% · 4.625%
HK$12,901
+HK$740/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,322/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$12,731
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,073
−HK$346/mo
Today · 4.125%
HK$13,419
baseline
▲ 0.50% · 4.625%
HK$14,126
+HK$707/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,838/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$14,714
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,171
−HK$465/mo
Today · 4.125%
HK$15,636
baseline
▲ 0.50% · 4.625%
HK$16,588
+HK$952/mo
Deposit HK$358K · loan HK$3.23M · min. income ≈ HK$31,272/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$16,369
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,808
−HK$445/mo
Today · 4.125%
HK$17,253
baseline
▲ 0.50% · 4.625%
HK$18,162
+HK$909/mo
Deposit HK$358K · loan HK$3.23M · min. income ≈ HK$34,506/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).