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$8,972
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,251
−HK$283/mo
Today · 4.125%
HK$9,534
baseline
▲ 0.50% · 4.625%
HK$10,114
+HK$580/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,068/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,981
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,249
−HK$271/mo
Today · 4.125%
HK$10,520
baseline
▲ 0.50% · 4.625%
HK$11,075
+HK$555/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,040/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,766
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,101
−HK$340/mo
Today · 4.125%
HK$11,441
baseline
▲ 0.50% · 4.625%
HK$12,137
+HK$696/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,882/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,977
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,298
−HK$326/mo
Today · 4.125%
HK$12,624
baseline
▲ 0.50% · 4.625%
HK$13,290
+HK$666/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,248/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,560
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,951
−HK$397/mo
Today · 4.125%
HK$13,348
baseline
▲ 0.50% · 4.625%
HK$14,160
+HK$812/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,696/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,973
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,348
−HK$380/mo
Today · 4.125%
HK$14,728
baseline
▲ 0.50% · 4.625%
HK$15,505
+HK$777/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,456/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,149
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$16,651
−HK$511/mo
Today · 4.125%
HK$17,162
baseline
▲ 0.50% · 4.625%
HK$18,206
+HK$1,044/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,324/mo (50% DSR)
Upfront cash ≈ HK$394K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,966
−HK$970/mo
▼ 0.25% · 3.875%
HK$18,448
−HK$488/mo
Today · 4.125%
HK$18,936
baseline
▲ 0.50% · 4.625%
HK$19,934
+HK$998/mo
Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$37,872/mo (50% DSR)
Upfront cash ≈ HK$394K (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).