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$8,225
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,480
−HK$260/mo
Today · 4.125%
HK$8,740
baseline
▲ 0.50% · 4.625%
HK$9,272
+HK$532/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,480/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$9,150
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,395
−HK$249/mo
Today · 4.125%
HK$9,644
baseline
▲ 0.50% · 4.625%
HK$10,152
+HK$508/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,288/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$9,869
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,176
−HK$312/mo
Today · 4.125%
HK$10,488
baseline
▲ 0.50% · 4.625%
HK$11,127
+HK$639/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,976/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$10,980
−HK$593/mo
▼ 0.25% · 3.875%
HK$11,274
−HK$299/mo
Today · 4.125%
HK$11,573
baseline
▲ 0.50% · 4.625%
HK$12,183
+HK$610/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,146/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$11,514
−HK$722/mo
▼ 0.25% · 3.875%
HK$11,872
−HK$364/mo
Today · 4.125%
HK$12,236
baseline
▲ 0.50% · 4.625%
HK$12,981
+HK$745/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,472/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$12,810
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,153
−HK$349/mo
Today · 4.125%
HK$13,502
baseline
▲ 0.50% · 4.625%
HK$14,213
+HK$711/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$27,004/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$14,804
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,265
−HK$467/mo
Today · 4.125%
HK$15,732
baseline
▲ 0.50% · 4.625%
HK$16,690
+HK$958/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,464/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$16,469
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,911
−HK$448/mo
Today · 4.125%
HK$17,359
baseline
▲ 0.50% · 4.625%
HK$18,274
+HK$915/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,718/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).