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$7,644
−HK$480/mo
▼ 0.25% · 3.875%
HK$7,882
−HK$242/mo
Today · 4.125%
HK$8,124
baseline
▲ 0.50% · 4.625%
HK$8,618
+HK$494/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$16,248/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,504
−HK$460/mo
▼ 0.25% · 3.875%
HK$8,732
−HK$232/mo
Today · 4.125%
HK$8,964
baseline
▲ 0.50% · 4.625%
HK$9,436
+HK$472/mo
Deposit HK$1.68M · loan HK$1.68M · min. income ≈ HK$17,928/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,173
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,459
−HK$289/mo
Today · 4.125%
HK$9,748
baseline
▲ 0.50% · 4.625%
HK$10,342
+HK$594/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,496/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,205
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,479
−HK$277/mo
Today · 4.125%
HK$10,756
baseline
▲ 0.50% · 4.625%
HK$11,323
+HK$567/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,512/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,702
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,035
−HK$338/mo
Today · 4.125%
HK$11,373
baseline
▲ 0.50% · 4.625%
HK$12,065
+HK$692/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$22,746/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$11,906
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,225
−HK$324/mo
Today · 4.125%
HK$12,549
baseline
▲ 0.50% · 4.625%
HK$13,211
+HK$662/mo
Deposit HK$1.01M · loan HK$2.35M · min. income ≈ HK$25,098/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$13,760
−HK$863/mo
▼ 0.25% · 3.875%
HK$14,188
−HK$435/mo
Today · 4.125%
HK$14,623
baseline
▲ 0.50% · 4.625%
HK$15,512
+HK$889/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$29,246/mo (50% DSR)
Upfront cash ≈ HK$335K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,308
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,718
−HK$417/mo
Today · 4.125%
HK$16,135
baseline
▲ 0.50% · 4.625%
HK$16,985
+HK$850/mo
Deposit HK$335K · loan HK$3.02M · min. income ≈ HK$32,270/mo (50% DSR)
Upfront cash ≈ HK$335K (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).