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$8,308
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,567
−HK$262/mo
Today · 4.125%
HK$8,829
baseline
▲ 0.50% · 4.625%
HK$9,366
+HK$537/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,658/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,243
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,491
−HK$251/mo
Today · 4.125%
HK$9,742
baseline
▲ 0.50% · 4.625%
HK$10,256
+HK$514/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,484/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,970
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,280
−HK$315/mo
Today · 4.125%
HK$10,595
baseline
▲ 0.50% · 4.625%
HK$11,240
+HK$645/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,190/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,091
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,389
−HK$302/mo
Today · 4.125%
HK$11,691
baseline
▲ 0.50% · 4.625%
HK$12,307
+HK$616/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,382/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,632
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,993
−HK$368/mo
Today · 4.125%
HK$12,361
baseline
▲ 0.50% · 4.625%
HK$13,113
+HK$752/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,722/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,940
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,287
−HK$352/mo
Today · 4.125%
HK$13,639
baseline
▲ 0.50% · 4.625%
HK$14,358
+HK$719/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,278/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,955
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,420
−HK$473/mo
Today · 4.125%
HK$15,893
baseline
▲ 0.50% · 4.625%
HK$16,860
+HK$967/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$31,786/mo (50% DSR)
Upfront cash ≈ HK$364K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,637
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,083
−HK$453/mo
Today · 4.125%
HK$17,536
baseline
▲ 0.50% · 4.625%
HK$18,460
+HK$924/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$35,072/mo (50% DSR)
Upfront cash ≈ HK$364K (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).