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$7,713
−HK$483/mo
▼ 0.25% · 3.875%
HK$7,953
−HK$243/mo
Today · 4.125%
HK$8,196
baseline
▲ 0.50% · 4.625%
HK$8,695
+HK$499/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,392/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$8,580
−HK$464/mo
▼ 0.25% · 3.875%
HK$8,810
−HK$234/mo
Today · 4.125%
HK$9,044
baseline
▲ 0.50% · 4.625%
HK$9,521
+HK$477/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,088/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$9,255
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,543
−HK$293/mo
Today · 4.125%
HK$9,836
baseline
▲ 0.50% · 4.625%
HK$10,434
+HK$598/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$19,672/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$10,296
−HK$557/mo
▼ 0.25% · 3.875%
HK$10,572
−HK$281/mo
Today · 4.125%
HK$10,853
baseline
▲ 0.50% · 4.625%
HK$11,425
+HK$572/mo
Deposit HK$1.35M · loan HK$2.03M · min. income ≈ HK$21,706/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$10,798
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,134
−HK$341/mo
Today · 4.125%
HK$11,475
baseline
▲ 0.50% · 4.625%
HK$12,173
+HK$698/mo
Deposit HK$1.01M · loan HK$2.37M · min. income ≈ HK$22,950/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$12,012
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,334
−HK$327/mo
Today · 4.125%
HK$12,661
baseline
▲ 0.50% · 4.625%
HK$13,329
+HK$668/mo
Deposit HK$1.01M · loan HK$2.37M · min. income ≈ HK$25,322/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$13,883
−HK$870/mo
▼ 0.25% · 3.875%
HK$14,315
−HK$438/mo
Today · 4.125%
HK$14,753
baseline
▲ 0.50% · 4.625%
HK$15,651
+HK$898/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$29,506/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$15,444
−HK$835/mo
▼ 0.25% · 3.875%
HK$15,859
−HK$420/mo
Today · 4.125%
HK$16,279
baseline
▲ 0.50% · 4.625%
HK$17,137
+HK$858/mo
Deposit HK$338K · loan HK$3.04M · min. income ≈ HK$32,558/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).