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$8,007
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,256
−HK$253/mo
Today · 4.125%
HK$8,509
baseline
▲ 0.50% · 4.625%
HK$9,027
+HK$518/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,018/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,908
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,147
−HK$242/mo
Today · 4.125%
HK$9,389
baseline
▲ 0.50% · 4.625%
HK$9,884
+HK$495/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,778/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,609
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,908
−HK$303/mo
Today · 4.125%
HK$10,211
baseline
▲ 0.50% · 4.625%
HK$10,833
+HK$622/mo
Deposit HK$1.40M · loan HK$2.11M · min. income ≈ HK$20,422/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,690
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,976
−HK$291/mo
Today · 4.125%
HK$11,267
baseline
▲ 0.50% · 4.625%
HK$11,861
+HK$594/mo
Deposit HK$1.40M · loan HK$2.11M · min. income ≈ HK$22,534/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,210
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,559
−HK$354/mo
Today · 4.125%
HK$11,913
baseline
▲ 0.50% · 4.625%
HK$12,638
+HK$725/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$23,826/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,471
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,806
−HK$339/mo
Today · 4.125%
HK$13,145
baseline
▲ 0.50% · 4.625%
HK$13,838
+HK$693/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,290/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,413
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,861
−HK$456/mo
Today · 4.125%
HK$15,317
baseline
▲ 0.50% · 4.625%
HK$16,249
+HK$932/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,634/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,034
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,464
−HK$437/mo
Today · 4.125%
HK$16,901
baseline
▲ 0.50% · 4.625%
HK$17,792
+HK$891/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,802/mo (50% DSR)
Upfront cash ≈ HK$351K (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).