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$8,747
−HK$549/mo
▼ 0.25% · 3.875%
HK$9,020
−HK$276/mo
Today · 4.125%
HK$9,296
baseline
▲ 0.50% · 4.625%
HK$9,862
+HK$566/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$18,592/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,731
−HK$526/mo
▼ 0.25% · 3.875%
HK$9,992
−HK$265/mo
Today · 4.125%
HK$10,257
baseline
▲ 0.50% · 4.625%
HK$10,798
+HK$541/mo
Deposit HK$1.92M · loan HK$1.92M · min. income ≈ HK$20,514/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,497
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,823
−HK$332/mo
Today · 4.125%
HK$11,155
baseline
▲ 0.50% · 4.625%
HK$11,834
+HK$679/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,310/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,678
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,991
−HK$318/mo
Today · 4.125%
HK$12,309
baseline
▲ 0.50% · 4.625%
HK$12,957
+HK$648/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,618/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,246
−HK$768/mo
▼ 0.25% · 3.875%
HK$12,627
−HK$387/mo
Today · 4.125%
HK$13,014
baseline
▲ 0.50% · 4.625%
HK$13,806
+HK$792/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$26,028/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,624
−HK$736/mo
▼ 0.25% · 3.875%
HK$13,989
−HK$371/mo
Today · 4.125%
HK$14,360
baseline
▲ 0.50% · 4.625%
HK$15,117
+HK$757/mo
Deposit HK$1.15M · loan HK$2.69M · min. income ≈ HK$28,720/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,745
−HK$988/mo
▼ 0.25% · 3.875%
HK$16,235
−HK$498/mo
Today · 4.125%
HK$16,733
baseline
▲ 0.50% · 4.625%
HK$17,751
+HK$1,018/mo
Deposit HK$384K · loan HK$3.45M · min. income ≈ HK$33,466/mo (50% DSR)
Upfront cash ≈ HK$384K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,517
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,986
−HK$477/mo
Today · 4.125%
HK$18,463
baseline
▲ 0.50% · 4.625%
HK$19,436
+HK$973/mo
Deposit HK$384K · loan HK$3.45M · min. income ≈ HK$36,926/mo (50% DSR)
Upfront cash ≈ HK$384K (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).