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$8,125
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,378
−HK$257/mo
Today · 4.125%
HK$8,635
baseline
▲ 0.50% · 4.625%
HK$9,160
+HK$525/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,270/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,039
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,282
−HK$245/mo
Today · 4.125%
HK$9,527
baseline
▲ 0.50% · 4.625%
HK$10,030
+HK$503/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,054/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,750
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,053
−HK$309/mo
Today · 4.125%
HK$10,362
baseline
▲ 0.50% · 4.625%
HK$10,992
+HK$630/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,724/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,847
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,138
−HK$295/mo
Today · 4.125%
HK$11,433
baseline
▲ 0.50% · 4.625%
HK$12,036
+HK$603/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,866/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,375
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,729
−HK$360/mo
Today · 4.125%
HK$12,089
baseline
▲ 0.50% · 4.625%
HK$12,824
+HK$735/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,178/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,655
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,994
−HK$344/mo
Today · 4.125%
HK$13,338
baseline
▲ 0.50% · 4.625%
HK$14,042
+HK$704/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,676/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,625
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,080
−HK$462/mo
Today · 4.125%
HK$15,542
baseline
▲ 0.50% · 4.625%
HK$16,488
+HK$946/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$31,084/mo (50% DSR)
Upfront cash ≈ HK$356K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,270
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,707
−HK$442/mo
Today · 4.125%
HK$17,149
baseline
▲ 0.50% · 4.625%
HK$18,053
+HK$904/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$34,298/mo (50% DSR)
Upfront cash ≈ HK$356K (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).