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$8,849
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,124
−HK$280/mo
Today · 4.125%
HK$9,404
baseline
▲ 0.50% · 4.625%
HK$9,976
+HK$572/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$18,808/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,844
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,108
−HK$268/mo
Today · 4.125%
HK$10,376
baseline
▲ 0.50% · 4.625%
HK$10,923
+HK$547/mo
Deposit HK$1.94M · loan HK$1.94M · min. income ≈ HK$20,752/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,618
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,949
−HK$335/mo
Today · 4.125%
HK$11,284
baseline
▲ 0.50% · 4.625%
HK$11,971
+HK$687/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$22,568/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,813
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,130
−HK$321/mo
Today · 4.125%
HK$12,451
baseline
▲ 0.50% · 4.625%
HK$13,107
+HK$656/mo
Deposit HK$1.55M · loan HK$2.33M · min. income ≈ HK$24,902/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,388
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,774
−HK$391/mo
Today · 4.125%
HK$13,165
baseline
▲ 0.50% · 4.625%
HK$13,966
+HK$801/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$26,330/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,782
−HK$744/mo
▼ 0.25% · 3.875%
HK$14,151
−HK$375/mo
Today · 4.125%
HK$14,526
baseline
▲ 0.50% · 4.625%
HK$15,292
+HK$766/mo
Deposit HK$1.16M · loan HK$2.72M · min. income ≈ HK$29,052/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,928
−HK$998/mo
▼ 0.25% · 3.875%
HK$16,423
−HK$503/mo
Today · 4.125%
HK$16,926
baseline
▲ 0.50% · 4.625%
HK$17,956
+HK$1,030/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$33,852/mo (50% DSR)
Upfront cash ≈ HK$388K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,719
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,195
−HK$482/mo
Today · 4.125%
HK$18,677
baseline
▲ 0.50% · 4.625%
HK$19,661
+HK$984/mo
Deposit HK$388K · loan HK$3.49M · min. income ≈ HK$37,354/mo (50% DSR)
Upfront cash ≈ HK$388K (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).