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$8,121
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,374
−HK$256/mo
Today · 4.125%
HK$8,630
baseline
▲ 0.50% · 4.625%
HK$9,155
+HK$525/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,260/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$9,035
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,277
−HK$246/mo
Today · 4.125%
HK$9,523
baseline
▲ 0.50% · 4.625%
HK$10,025
+HK$502/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,046/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$9,745
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,048
−HK$308/mo
Today · 4.125%
HK$10,356
baseline
▲ 0.50% · 4.625%
HK$10,987
+HK$631/mo
Deposit HK$1.42M · loan HK$2.14M · min. income ≈ HK$20,712/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,842
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,132
−HK$295/mo
Today · 4.125%
HK$11,427
baseline
▲ 0.50% · 4.625%
HK$12,030
+HK$603/mo
Deposit HK$1.42M · loan HK$2.14M · min. income ≈ HK$22,854/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,370
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,723
−HK$359/mo
Today · 4.125%
HK$12,082
baseline
▲ 0.50% · 4.625%
HK$12,818
+HK$736/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,164/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$12,648
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,988
−HK$344/mo
Today · 4.125%
HK$13,332
baseline
▲ 0.50% · 4.625%
HK$14,035
+HK$703/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,664/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$14,618
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,073
−HK$462/mo
Today · 4.125%
HK$15,535
baseline
▲ 0.50% · 4.625%
HK$16,480
+HK$945/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$31,070/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$16,262
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,698
−HK$443/mo
Today · 4.125%
HK$17,141
baseline
▲ 0.50% · 4.625%
HK$18,044
+HK$903/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$34,282/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).