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$8,820
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,095
−HK$278/mo
Today · 4.125%
HK$9,373
baseline
▲ 0.50% · 4.625%
HK$9,944
+HK$571/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$18,746/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,812
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,076
−HK$266/mo
Today · 4.125%
HK$10,342
baseline
▲ 0.50% · 4.625%
HK$10,888
+HK$546/mo
Deposit HK$1.93M · loan HK$1.93M · min. income ≈ HK$20,684/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,584
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,913
−HK$335/mo
Today · 4.125%
HK$11,248
baseline
▲ 0.50% · 4.625%
HK$11,932
+HK$684/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$22,496/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,775
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,091
−HK$320/mo
Today · 4.125%
HK$12,411
baseline
▲ 0.50% · 4.625%
HK$13,065
+HK$654/mo
Deposit HK$1.55M · loan HK$2.32M · min. income ≈ HK$24,822/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,348
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,732
−HK$391/mo
Today · 4.125%
HK$13,123
baseline
▲ 0.50% · 4.625%
HK$13,921
+HK$798/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$26,246/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,737
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,106
−HK$373/mo
Today · 4.125%
HK$14,479
baseline
▲ 0.50% · 4.625%
HK$15,243
+HK$764/mo
Deposit HK$1.16M · loan HK$2.71M · min. income ≈ HK$28,958/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,876
−HK$996/mo
▼ 0.25% · 3.875%
HK$16,370
−HK$502/mo
Today · 4.125%
HK$16,872
baseline
▲ 0.50% · 4.625%
HK$17,899
+HK$1,027/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$33,744/mo (50% DSR)
Upfront cash ≈ HK$387K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,662
−HK$954/mo
▼ 0.25% · 3.875%
HK$18,136
−HK$480/mo
Today · 4.125%
HK$18,616
baseline
▲ 0.50% · 4.625%
HK$19,598
+HK$982/mo
Deposit HK$387K · loan HK$3.48M · min. income ≈ HK$37,232/mo (50% DSR)
Upfront cash ≈ HK$387K (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).