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$7,905
−HK$496/mo
▼ 0.25% · 3.875%
HK$8,151
−HK$250/mo
Today · 4.125%
HK$8,401
baseline
▲ 0.50% · 4.625%
HK$8,912
+HK$511/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,802/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,794
−HK$475/mo
▼ 0.25% · 3.875%
HK$9,030
−HK$239/mo
Today · 4.125%
HK$9,269
baseline
▲ 0.50% · 4.625%
HK$9,758
+HK$489/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,538/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,486
−HK$595/mo
▼ 0.25% · 3.875%
HK$9,781
−HK$300/mo
Today · 4.125%
HK$10,081
baseline
▲ 0.50% · 4.625%
HK$10,694
+HK$613/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$20,162/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,553
−HK$570/mo
▼ 0.25% · 3.875%
HK$10,836
−HK$287/mo
Today · 4.125%
HK$11,123
baseline
▲ 0.50% · 4.625%
HK$11,709
+HK$586/mo
Deposit HK$1.39M · loan HK$2.08M · min. income ≈ HK$22,246/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,067
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,411
−HK$350/mo
Today · 4.125%
HK$11,761
baseline
▲ 0.50% · 4.625%
HK$12,477
+HK$716/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,522/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,312
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,642
−HK$335/mo
Today · 4.125%
HK$12,977
baseline
▲ 0.50% · 4.625%
HK$13,661
+HK$684/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$25,954/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,229
−HK$892/mo
▼ 0.25% · 3.875%
HK$14,672
−HK$449/mo
Today · 4.125%
HK$15,121
baseline
▲ 0.50% · 4.625%
HK$16,041
+HK$920/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$30,242/mo (50% DSR)
Upfront cash ≈ HK$347K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,830
−HK$855/mo
▼ 0.25% · 3.875%
HK$16,254
−HK$431/mo
Today · 4.125%
HK$16,685
baseline
▲ 0.50% · 4.625%
HK$17,564
+HK$879/mo
Deposit HK$347K · loan HK$3.12M · min. income ≈ HK$33,370/mo (50% DSR)
Upfront cash ≈ HK$347K (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).