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$8,977
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,256
−HK$284/mo
Today · 4.125%
HK$9,540
baseline
▲ 0.50% · 4.625%
HK$10,120
+HK$580/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,080/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$9,987
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,254
−HK$272/mo
Today · 4.125%
HK$10,526
baseline
▲ 0.50% · 4.625%
HK$11,081
+HK$555/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,052/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$10,772
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,107
−HK$341/mo
Today · 4.125%
HK$11,448
baseline
▲ 0.50% · 4.625%
HK$12,144
+HK$696/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,896/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$11,984
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,305
−HK$326/mo
Today · 4.125%
HK$12,631
baseline
▲ 0.50% · 4.625%
HK$13,297
+HK$666/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,262/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$12,568
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,959
−HK$397/mo
Today · 4.125%
HK$13,356
baseline
▲ 0.50% · 4.625%
HK$14,168
+HK$812/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,712/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$13,981
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,356
−HK$381/mo
Today · 4.125%
HK$14,737
baseline
▲ 0.50% · 4.625%
HK$15,513
+HK$776/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,474/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$16,158
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$16,661
−HK$511/mo
Today · 4.125%
HK$17,172
baseline
▲ 0.50% · 4.625%
HK$18,216
+HK$1,044/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$34,344/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$17,976
−HK$971/mo
▼ 0.25% · 3.875%
HK$18,458
−HK$489/mo
Today · 4.125%
HK$18,947
baseline
▲ 0.50% · 4.625%
HK$19,946
+HK$999/mo
Deposit HK$394K · loan HK$3.54M · min. income ≈ HK$37,894/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).