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$7,881
−HK$494/mo
▼ 0.25% · 3.875%
HK$8,126
−HK$249/mo
Today · 4.125%
HK$8,375
baseline
▲ 0.50% · 4.625%
HK$8,885
+HK$510/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$16,750/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$8,768
−HK$473/mo
▼ 0.25% · 3.875%
HK$9,003
−HK$238/mo
Today · 4.125%
HK$9,241
baseline
▲ 0.50% · 4.625%
HK$9,728
+HK$487/mo
Deposit HK$1.73M · loan HK$1.73M · min. income ≈ HK$18,482/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$9,457
−HK$593/mo
▼ 0.25% · 3.875%
HK$9,751
−HK$299/mo
Today · 4.125%
HK$10,050
baseline
▲ 0.50% · 4.625%
HK$10,662
+HK$612/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$20,100/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,521
−HK$569/mo
▼ 0.25% · 3.875%
HK$10,803
−HK$287/mo
Today · 4.125%
HK$11,090
baseline
▲ 0.50% · 4.625%
HK$11,674
+HK$584/mo
Deposit HK$1.38M · loan HK$2.07M · min. income ≈ HK$22,180/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,034
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,377
−HK$348/mo
Today · 4.125%
HK$11,725
baseline
▲ 0.50% · 4.625%
HK$12,439
+HK$714/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$23,450/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$12,275
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,604
−HK$334/mo
Today · 4.125%
HK$12,938
baseline
▲ 0.50% · 4.625%
HK$13,620
+HK$682/mo
Deposit HK$1.04M · loan HK$2.42M · min. income ≈ HK$25,876/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$14,186
−HK$890/mo
▼ 0.25% · 3.875%
HK$14,627
−HK$449/mo
Today · 4.125%
HK$15,076
baseline
▲ 0.50% · 4.625%
HK$15,993
+HK$917/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$30,152/mo (50% DSR)
Upfront cash ≈ HK$346K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,782
−HK$852/mo
▼ 0.25% · 3.875%
HK$16,205
−HK$429/mo
Today · 4.125%
HK$16,634
baseline
▲ 0.50% · 4.625%
HK$17,511
+HK$877/mo
Deposit HK$346K · loan HK$3.11M · min. income ≈ HK$33,268/mo (50% DSR)
Upfront cash ≈ HK$346K (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).