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$8,148
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,401
−HK$258/mo
Today · 4.125%
HK$8,659
baseline
▲ 0.50% · 4.625%
HK$9,186
+HK$527/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,318/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,064
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,307
−HK$247/mo
Today · 4.125%
HK$9,554
baseline
▲ 0.50% · 4.625%
HK$10,058
+HK$504/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,108/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,777
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,081
−HK$309/mo
Today · 4.125%
HK$10,390
baseline
▲ 0.50% · 4.625%
HK$11,023
+HK$633/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,780/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,877
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,169
−HK$296/mo
Today · 4.125%
HK$11,465
baseline
▲ 0.50% · 4.625%
HK$12,069
+HK$604/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,930/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,407
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,762
−HK$360/mo
Today · 4.125%
HK$12,122
baseline
▲ 0.50% · 4.625%
HK$12,860
+HK$738/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,244/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,690
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,030
−HK$346/mo
Today · 4.125%
HK$13,376
baseline
▲ 0.50% · 4.625%
HK$14,081
+HK$705/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,752/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,666
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,122
−HK$464/mo
Today · 4.125%
HK$15,586
baseline
▲ 0.50% · 4.625%
HK$16,534
+HK$948/mo
Deposit HK$357K · loan HK$3.22M · min. income ≈ HK$31,172/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,316
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,753
−HK$444/mo
Today · 4.125%
HK$17,197
baseline
▲ 0.50% · 4.625%
HK$18,104
+HK$907/mo
Deposit HK$357K · loan HK$3.22M · min. income ≈ HK$34,394/mo (50% DSR)
Upfront cash ≈ HK$357K (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).