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$8,231
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,487
−HK$261/mo
Today · 4.125%
HK$8,748
baseline
▲ 0.50% · 4.625%
HK$9,280
+HK$532/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,496/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,157
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,403
−HK$249/mo
Today · 4.125%
HK$9,652
baseline
▲ 0.50% · 4.625%
HK$10,161
+HK$509/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,304/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,878
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,185
−HK$312/mo
Today · 4.125%
HK$10,497
baseline
▲ 0.50% · 4.625%
HK$11,136
+HK$639/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$20,994/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,989
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,283
−HK$299/mo
Today · 4.125%
HK$11,582
baseline
▲ 0.50% · 4.625%
HK$12,193
+HK$611/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$23,164/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,524
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,882
−HK$365/mo
Today · 4.125%
HK$12,247
baseline
▲ 0.50% · 4.625%
HK$12,992
+HK$745/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,494/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,820
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,164
−HK$349/mo
Today · 4.125%
HK$13,513
baseline
▲ 0.50% · 4.625%
HK$14,225
+HK$712/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,026/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,816
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,277
−HK$469/mo
Today · 4.125%
HK$15,746
baseline
▲ 0.50% · 4.625%
HK$16,704
+HK$958/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,492/mo (50% DSR)
Upfront cash ≈ HK$361K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,483
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,925
−HK$449/mo
Today · 4.125%
HK$17,374
baseline
▲ 0.50% · 4.625%
HK$18,289
+HK$915/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,748/mo (50% DSR)
Upfront cash ≈ HK$361K (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).