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$8,147
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,401
−HK$257/mo
Today · 4.125%
HK$8,658
baseline
▲ 0.50% · 4.625%
HK$9,185
+HK$527/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,316/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$9,064
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,307
−HK$247/mo
Today · 4.125%
HK$9,554
baseline
▲ 0.50% · 4.625%
HK$10,057
+HK$503/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,108/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$9,777
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,081
−HK$309/mo
Today · 4.125%
HK$10,390
baseline
▲ 0.50% · 4.625%
HK$11,022
+HK$632/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,780/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$10,877
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,168
−HK$296/mo
Today · 4.125%
HK$11,464
baseline
▲ 0.50% · 4.625%
HK$12,069
+HK$605/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,928/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$11,406
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,761
−HK$361/mo
Today · 4.125%
HK$12,122
baseline
▲ 0.50% · 4.625%
HK$12,859
+HK$737/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,244/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,690
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,030
−HK$345/mo
Today · 4.125%
HK$13,375
baseline
▲ 0.50% · 4.625%
HK$14,080
+HK$705/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,750/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,665
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,122
−HK$463/mo
Today · 4.125%
HK$15,585
baseline
▲ 0.50% · 4.625%
HK$16,533
+HK$948/mo
Deposit HK$357K · loan HK$3.22M · min. income ≈ HK$31,170/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,315
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,753
−HK$444/mo
Today · 4.125%
HK$17,197
baseline
▲ 0.50% · 4.625%
HK$18,103
+HK$906/mo
Deposit HK$357K · loan HK$3.22M · min. income ≈ HK$34,394/mo (50% DSR)
Upfront cash ≈ HK$357K (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).