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$8,951
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,229
−HK$283/mo
Today · 4.125%
HK$9,512
baseline
▲ 0.50% · 4.625%
HK$10,091
+HK$579/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$19,024/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,958
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,225
−HK$271/mo
Today · 4.125%
HK$10,496
baseline
▲ 0.50% · 4.625%
HK$11,049
+HK$553/mo
Deposit HK$1.96M · loan HK$1.96M · min. income ≈ HK$20,992/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,741
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,075
−HK$340/mo
Today · 4.125%
HK$11,415
baseline
▲ 0.50% · 4.625%
HK$12,109
+HK$694/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$22,830/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$11,949
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,270
−HK$325/mo
Today · 4.125%
HK$12,595
baseline
▲ 0.50% · 4.625%
HK$13,259
+HK$664/mo
Deposit HK$1.57M · loan HK$2.36M · min. income ≈ HK$25,190/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$12,531
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,921
−HK$396/mo
Today · 4.125%
HK$13,317
baseline
▲ 0.50% · 4.625%
HK$14,127
+HK$810/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$26,634/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$13,941
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,315
−HK$379/mo
Today · 4.125%
HK$14,694
baseline
▲ 0.50% · 4.625%
HK$15,469
+HK$775/mo
Deposit HK$1.18M · loan HK$2.75M · min. income ≈ HK$29,388/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$16,112
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$16,613
−HK$509/mo
Today · 4.125%
HK$17,122
baseline
▲ 0.50% · 4.625%
HK$18,164
+HK$1,042/mo
Deposit HK$393K · loan HK$3.53M · min. income ≈ HK$34,244/mo (50% DSR)
Upfront cash ≈ HK$393K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,924
−HK$969/mo
▼ 0.25% · 3.875%
HK$18,405
−HK$488/mo
Today · 4.125%
HK$18,893
baseline
▲ 0.50% · 4.625%
HK$19,888
+HK$995/mo
Deposit HK$393K · loan HK$3.53M · min. income ≈ HK$37,786/mo (50% DSR)
Upfront cash ≈ HK$393K (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).