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$7,759
−HK$487/mo
▼ 0.25% · 3.875%
HK$8,000
−HK$246/mo
Today · 4.125%
HK$8,246
baseline
▲ 0.50% · 4.625%
HK$8,747
+HK$501/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$16,492/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,632
−HK$466/mo
▼ 0.25% · 3.875%
HK$8,863
−HK$235/mo
Today · 4.125%
HK$9,098
baseline
▲ 0.50% · 4.625%
HK$9,578
+HK$480/mo
Deposit HK$1.70M · loan HK$1.70M · min. income ≈ HK$18,196/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,311
−HK$584/mo
▼ 0.25% · 3.875%
HK$9,600
−HK$295/mo
Today · 4.125%
HK$9,895
baseline
▲ 0.50% · 4.625%
HK$10,497
+HK$602/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$19,790/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,358
−HK$560/mo
▼ 0.25% · 3.875%
HK$10,636
−HK$282/mo
Today · 4.125%
HK$10,918
baseline
▲ 0.50% · 4.625%
HK$11,493
+HK$575/mo
Deposit HK$1.36M · loan HK$2.04M · min. income ≈ HK$21,836/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,863
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,201
−HK$343/mo
Today · 4.125%
HK$11,544
baseline
▲ 0.50% · 4.625%
HK$12,246
+HK$702/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$23,088/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,085
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,409
−HK$328/mo
Today · 4.125%
HK$12,737
baseline
▲ 0.50% · 4.625%
HK$13,409
+HK$672/mo
Deposit HK$1.02M · loan HK$2.38M · min. income ≈ HK$25,474/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,966
−HK$876/mo
▼ 0.25% · 3.875%
HK$14,401
−HK$441/mo
Today · 4.125%
HK$14,842
baseline
▲ 0.50% · 4.625%
HK$15,745
+HK$903/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$29,684/mo (50% DSR)
Upfront cash ≈ HK$340K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,537
−HK$840/mo
▼ 0.25% · 3.875%
HK$15,954
−HK$423/mo
Today · 4.125%
HK$16,377
baseline
▲ 0.50% · 4.625%
HK$17,240
+HK$863/mo
Deposit HK$340K · loan HK$3.06M · min. income ≈ HK$32,754/mo (50% DSR)
Upfront cash ≈ HK$340K (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).