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$7,703
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,943
−HK$243/mo
Today · 4.125%
HK$8,186
baseline
▲ 0.50% · 4.625%
HK$8,684
+HK$498/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,372/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,570
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,799
−HK$234/mo
Today · 4.125%
HK$9,033
baseline
▲ 0.50% · 4.625%
HK$9,509
+HK$476/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,066/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,244
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,531
−HK$292/mo
Today · 4.125%
HK$9,823
baseline
▲ 0.50% · 4.625%
HK$10,421
+HK$598/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,646/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,284
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,559
−HK$280/mo
Today · 4.125%
HK$10,839
baseline
▲ 0.50% · 4.625%
HK$11,410
+HK$571/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,678/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,784
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,120
−HK$341/mo
Today · 4.125%
HK$11,461
baseline
▲ 0.50% · 4.625%
HK$12,158
+HK$697/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$22,922/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,997
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,319
−HK$327/mo
Today · 4.125%
HK$12,646
baseline
▲ 0.50% · 4.625%
HK$13,312
+HK$666/mo
Deposit HK$1.01M · loan HK$2.36M · min. income ≈ HK$25,292/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,866
−HK$869/mo
▼ 0.25% · 3.875%
HK$14,297
−HK$438/mo
Today · 4.125%
HK$14,735
baseline
▲ 0.50% · 4.625%
HK$15,632
+HK$897/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$29,470/mo (50% DSR)
Upfront cash ≈ HK$338K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,425
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,839
−HK$420/mo
Today · 4.125%
HK$16,259
baseline
▲ 0.50% · 4.625%
HK$17,116
+HK$857/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$32,518/mo (50% DSR)
Upfront cash ≈ HK$338K (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).