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$8,098
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,350
−HK$256/mo
Today · 4.125%
HK$8,606
baseline
▲ 0.50% · 4.625%
HK$9,130
+HK$524/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,212/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$9,009
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,251
−HK$245/mo
Today · 4.125%
HK$9,496
baseline
▲ 0.50% · 4.625%
HK$9,996
+HK$500/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$18,992/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$9,718
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,020
−HK$307/mo
Today · 4.125%
HK$10,327
baseline
▲ 0.50% · 4.625%
HK$10,956
+HK$629/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,654/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$10,811
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,101
−HK$294/mo
Today · 4.125%
HK$11,395
baseline
▲ 0.50% · 4.625%
HK$11,996
+HK$601/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,790/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$11,337
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,690
−HK$358/mo
Today · 4.125%
HK$12,048
baseline
▲ 0.50% · 4.625%
HK$12,781
+HK$733/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,096/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$12,613
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,951
−HK$343/mo
Today · 4.125%
HK$13,294
baseline
▲ 0.50% · 4.625%
HK$13,995
+HK$701/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,588/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$14,577
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,030
−HK$461/mo
Today · 4.125%
HK$15,491
baseline
▲ 0.50% · 4.625%
HK$16,433
+HK$942/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$30,982/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,216
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,651
−HK$442/mo
Today · 4.125%
HK$17,093
baseline
▲ 0.50% · 4.625%
HK$17,994
+HK$901/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$34,186/mo (50% DSR)
Upfront cash ≈ HK$355K (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).