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$8,034
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,284
−HK$254/mo
Today · 4.125%
HK$8,538
baseline
▲ 0.50% · 4.625%
HK$9,058
+HK$520/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,076/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,938
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,178
−HK$243/mo
Today · 4.125%
HK$9,421
baseline
▲ 0.50% · 4.625%
HK$9,917
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,842/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,641
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,941
−HK$305/mo
Today · 4.125%
HK$10,246
baseline
▲ 0.50% · 4.625%
HK$10,869
+HK$623/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,492/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,726
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,013
−HK$292/mo
Today · 4.125%
HK$11,305
baseline
▲ 0.50% · 4.625%
HK$11,901
+HK$596/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,610/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,248
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,598
−HK$355/mo
Today · 4.125%
HK$11,953
baseline
▲ 0.50% · 4.625%
HK$12,681
+HK$728/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,906/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,513
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,849
−HK$340/mo
Today · 4.125%
HK$13,189
baseline
▲ 0.50% · 4.625%
HK$13,884
+HK$695/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,378/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,462
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,911
−HK$457/mo
Today · 4.125%
HK$15,368
baseline
▲ 0.50% · 4.625%
HK$16,304
+HK$936/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,736/mo (50% DSR)
Upfront cash ≈ HK$352K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,088
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,520
−HK$438/mo
Today · 4.125%
HK$16,958
baseline
▲ 0.50% · 4.625%
HK$17,851
+HK$893/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,916/mo (50% DSR)
Upfront cash ≈ HK$352K (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).