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$8,715
−HK$547/mo
▼ 0.25% · 3.875%
HK$8,986
−HK$276/mo
Today · 4.125%
HK$9,262
baseline
▲ 0.50% · 4.625%
HK$9,825
+HK$563/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,524/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,696
−HK$523/mo
▼ 0.25% · 3.875%
HK$9,956
−HK$263/mo
Today · 4.125%
HK$10,219
baseline
▲ 0.50% · 4.625%
HK$10,758
+HK$539/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,438/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,458
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,784
−HK$330/mo
Today · 4.125%
HK$11,114
baseline
▲ 0.50% · 4.625%
HK$11,790
+HK$676/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$22,228/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,635
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,947
−HK$316/mo
Today · 4.125%
HK$12,263
baseline
▲ 0.50% · 4.625%
HK$12,910
+HK$647/mo
Deposit HK$1.53M · loan HK$2.29M · min. income ≈ HK$24,526/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,201
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,581
−HK$386/mo
Today · 4.125%
HK$12,967
baseline
▲ 0.50% · 4.625%
HK$13,755
+HK$788/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,934/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,574
−HK$733/mo
▼ 0.25% · 3.875%
HK$13,938
−HK$369/mo
Today · 4.125%
HK$14,307
baseline
▲ 0.50% · 4.625%
HK$15,061
+HK$754/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,614/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,687
−HK$984/mo
▼ 0.25% · 3.875%
HK$16,175
−HK$496/mo
Today · 4.125%
HK$16,671
baseline
▲ 0.50% · 4.625%
HK$17,686
+HK$1,015/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$33,342/mo (50% DSR)
Upfront cash ≈ HK$382K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,452
−HK$943/mo
▼ 0.25% · 3.875%
HK$17,920
−HK$475/mo
Today · 4.125%
HK$18,395
baseline
▲ 0.50% · 4.625%
HK$19,365
+HK$970/mo
Deposit HK$382K · loan HK$3.44M · min. income ≈ HK$36,790/mo (50% DSR)
Upfront cash ≈ HK$382K (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).