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$7,730
−HK$485/mo
▼ 0.25% · 3.875%
HK$7,970
−HK$245/mo
Today · 4.125%
HK$8,215
baseline
▲ 0.50% · 4.625%
HK$8,714
+HK$499/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$16,430/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,599
−HK$465/mo
▼ 0.25% · 3.875%
HK$8,830
−HK$234/mo
Today · 4.125%
HK$9,064
baseline
▲ 0.50% · 4.625%
HK$9,542
+HK$478/mo
Deposit HK$1.69M · loan HK$1.69M · min. income ≈ HK$18,128/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,276
−HK$582/mo
▼ 0.25% · 3.875%
HK$9,564
−HK$294/mo
Today · 4.125%
HK$9,858
baseline
▲ 0.50% · 4.625%
HK$10,457
+HK$599/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$19,716/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,319
−HK$558/mo
▼ 0.25% · 3.875%
HK$10,596
−HK$281/mo
Today · 4.125%
HK$10,877
baseline
▲ 0.50% · 4.625%
HK$11,450
+HK$573/mo
Deposit HK$1.36M · loan HK$2.03M · min. income ≈ HK$21,754/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,822
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,158
−HK$342/mo
Today · 4.125%
HK$11,500
baseline
▲ 0.50% · 4.625%
HK$12,200
+HK$700/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$23,000/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,039
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,362
−HK$328/mo
Today · 4.125%
HK$12,690
baseline
▲ 0.50% · 4.625%
HK$13,358
+HK$668/mo
Deposit HK$1.02M · loan HK$2.37M · min. income ≈ HK$25,380/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,914
−HK$872/mo
▼ 0.25% · 3.875%
HK$14,347
−HK$439/mo
Today · 4.125%
HK$14,786
baseline
▲ 0.50% · 4.625%
HK$15,686
+HK$900/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$29,572/mo (50% DSR)
Upfront cash ≈ HK$339K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,479
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,894
−HK$421/mo
Today · 4.125%
HK$16,315
baseline
▲ 0.50% · 4.625%
HK$17,175
+HK$860/mo
Deposit HK$339K · loan HK$3.05M · min. income ≈ HK$32,630/mo (50% DSR)
Upfront cash ≈ HK$339K (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).