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$8,218
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,474
−HK$259/mo
Today · 4.125%
HK$8,733
baseline
▲ 0.50% · 4.625%
HK$9,265
+HK$532/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,466/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,143
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,388
−HK$249/mo
Today · 4.125%
HK$9,637
baseline
▲ 0.50% · 4.625%
HK$10,145
+HK$508/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,274/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,862
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,169
−HK$311/mo
Today · 4.125%
HK$10,480
baseline
▲ 0.50% · 4.625%
HK$11,118
+HK$638/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,960/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$10,971
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,265
−HK$299/mo
Today · 4.125%
HK$11,564
baseline
▲ 0.50% · 4.625%
HK$12,173
+HK$609/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,128/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$11,505
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,863
−HK$364/mo
Today · 4.125%
HK$12,227
baseline
▲ 0.50% · 4.625%
HK$12,971
+HK$744/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,454/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$12,800
−HK$691/mo
▼ 0.25% · 3.875%
HK$13,143
−HK$348/mo
Today · 4.125%
HK$13,491
baseline
▲ 0.50% · 4.625%
HK$14,202
+HK$711/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,982/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$14,793
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,253
−HK$467/mo
Today · 4.125%
HK$15,720
baseline
▲ 0.50% · 4.625%
HK$16,677
+HK$957/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,440/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$16,457
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,898
−HK$448/mo
Today · 4.125%
HK$17,346
baseline
▲ 0.50% · 4.625%
HK$18,260
+HK$914/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,692/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).