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$7,952
−HK$498/mo
▼ 0.25% · 3.875%
HK$8,199
−HK$251/mo
Today · 4.125%
HK$8,450
baseline
▲ 0.50% · 4.625%
HK$8,964
+HK$514/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,900/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,846
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,083
−HK$241/mo
Today · 4.125%
HK$9,324
baseline
▲ 0.50% · 4.625%
HK$9,815
+HK$491/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,648/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,542
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,839
−HK$301/mo
Today · 4.125%
HK$10,140
baseline
▲ 0.50% · 4.625%
HK$10,757
+HK$617/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,280/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$10,615
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,900
−HK$289/mo
Today · 4.125%
HK$11,189
baseline
▲ 0.50% · 4.625%
HK$11,779
+HK$590/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,378/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$11,132
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,479
−HK$351/mo
Today · 4.125%
HK$11,830
baseline
▲ 0.50% · 4.625%
HK$12,550
+HK$720/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$23,660/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,384
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,717
−HK$337/mo
Today · 4.125%
HK$13,054
baseline
▲ 0.50% · 4.625%
HK$13,742
+HK$688/mo
Deposit HK$1.05M · loan HK$2.44M · min. income ≈ HK$26,108/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,313
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,758
−HK$452/mo
Today · 4.125%
HK$15,210
baseline
▲ 0.50% · 4.625%
HK$16,136
+HK$926/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,420/mo (50% DSR)
Upfront cash ≈ HK$349K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,923
−HK$860/mo
▼ 0.25% · 3.875%
HK$16,350
−HK$433/mo
Today · 4.125%
HK$16,783
baseline
▲ 0.50% · 4.625%
HK$17,668
+HK$885/mo
Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$33,566/mo (50% DSR)
Upfront cash ≈ HK$349K (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).