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$8,355
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,615
−HK$264/mo
Today · 4.125%
HK$8,879
baseline
▲ 0.50% · 4.625%
HK$9,419
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,758/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,295
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,544
−HK$253/mo
Today · 4.125%
HK$9,797
baseline
▲ 0.50% · 4.625%
HK$10,314
+HK$517/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,594/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,026
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,338
−HK$317/mo
Today · 4.125%
HK$10,655
baseline
▲ 0.50% · 4.625%
HK$11,303
+HK$648/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,310/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,154
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,453
−HK$304/mo
Today · 4.125%
HK$11,757
baseline
▲ 0.50% · 4.625%
HK$12,376
+HK$619/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,514/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,697
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,061
−HK$370/mo
Today · 4.125%
HK$12,431
baseline
▲ 0.50% · 4.625%
HK$13,187
+HK$756/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,862/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,013
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,362
−HK$354/mo
Today · 4.125%
HK$13,716
baseline
▲ 0.50% · 4.625%
HK$14,439
+HK$723/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,432/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,039
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,507
−HK$475/mo
Today · 4.125%
HK$15,982
baseline
▲ 0.50% · 4.625%
HK$16,955
+HK$973/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$31,964/mo (50% DSR)
Upfront cash ≈ HK$367K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,731
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,180
−HK$455/mo
Today · 4.125%
HK$17,635
baseline
▲ 0.50% · 4.625%
HK$18,564
+HK$929/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$35,270/mo (50% DSR)
Upfront cash ≈ HK$367K (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).