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$7,710
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,950
−HK$243/mo
Today · 4.125%
HK$8,193
baseline
▲ 0.50% · 4.625%
HK$8,692
+HK$499/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,386/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$8,577
−HK$463/mo
▼ 0.25% · 3.875%
HK$8,807
−HK$233/mo
Today · 4.125%
HK$9,040
baseline
▲ 0.50% · 4.625%
HK$9,517
+HK$477/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,080/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$9,252
−HK$580/mo
▼ 0.25% · 3.875%
HK$9,540
−HK$292/mo
Today · 4.125%
HK$9,832
baseline
▲ 0.50% · 4.625%
HK$10,430
+HK$598/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,664/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$10,292
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,569
−HK$280/mo
Today · 4.125%
HK$10,849
baseline
▲ 0.50% · 4.625%
HK$11,420
+HK$571/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,698/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$10,794
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,129
−HK$342/mo
Today · 4.125%
HK$11,471
baseline
▲ 0.50% · 4.625%
HK$12,169
+HK$698/mo
Deposit HK$1.01M · loan HK$2.37M · min. income ≈ HK$22,942/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$12,008
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,330
−HK$327/mo
Today · 4.125%
HK$12,657
baseline
▲ 0.50% · 4.625%
HK$13,324
+HK$667/mo
Deposit HK$1.01M · loan HK$2.37M · min. income ≈ HK$25,314/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$13,878
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,309
−HK$439/mo
Today · 4.125%
HK$14,748
baseline
▲ 0.50% · 4.625%
HK$15,645
+HK$897/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$29,496/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$15,439
−HK$834/mo
▼ 0.25% · 3.875%
HK$15,853
−HK$420/mo
Today · 4.125%
HK$16,273
baseline
▲ 0.50% · 4.625%
HK$17,131
+HK$858/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$32,546/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).