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$8,820
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,094
−HK$279/mo
Today · 4.125%
HK$9,373
baseline
▲ 0.50% · 4.625%
HK$9,943
+HK$570/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,746/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,812
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,075
−HK$267/mo
Today · 4.125%
HK$10,342
baseline
▲ 0.50% · 4.625%
HK$10,887
+HK$545/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,684/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,584
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,913
−HK$334/mo
Today · 4.125%
HK$11,247
baseline
▲ 0.50% · 4.625%
HK$11,932
+HK$685/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,494/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$11,774
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,090
−HK$320/mo
Today · 4.125%
HK$12,410
baseline
▲ 0.50% · 4.625%
HK$13,064
+HK$654/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,820/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$12,347
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,732
−HK$390/mo
Today · 4.125%
HK$13,122
baseline
▲ 0.50% · 4.625%
HK$13,920
+HK$798/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,244/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$13,736
−HK$743/mo
▼ 0.25% · 3.875%
HK$14,105
−HK$374/mo
Today · 4.125%
HK$14,479
baseline
▲ 0.50% · 4.625%
HK$15,242
+HK$763/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,958/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$15,875
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,369
−HK$502/mo
Today · 4.125%
HK$16,871
baseline
▲ 0.50% · 4.625%
HK$17,897
+HK$1,026/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,742/mo (50% DSR)
Upfront cash ≈ HK$387K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,661
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,135
−HK$480/mo
Today · 4.125%
HK$18,615
baseline
▲ 0.50% · 4.625%
HK$19,597
+HK$982/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,230/mo (50% DSR)
Upfront cash ≈ HK$387K (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).