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$8,037
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,287
−HK$254/mo
Today · 4.125%
HK$8,541
baseline
▲ 0.50% · 4.625%
HK$9,061
+HK$520/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,082/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,942
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,181
−HK$244/mo
Today · 4.125%
HK$9,425
baseline
▲ 0.50% · 4.625%
HK$9,921
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,850/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,645
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,945
−HK$305/mo
Today · 4.125%
HK$10,250
baseline
▲ 0.50% · 4.625%
HK$10,873
+HK$623/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,500/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,730
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,018
−HK$292/mo
Today · 4.125%
HK$11,310
baseline
▲ 0.50% · 4.625%
HK$11,906
+HK$596/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,620/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,252
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,602
−HK$356/mo
Today · 4.125%
HK$11,958
baseline
▲ 0.50% · 4.625%
HK$12,686
+HK$728/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,916/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,518
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,854
−HK$340/mo
Today · 4.125%
HK$13,194
baseline
▲ 0.50% · 4.625%
HK$13,890
+HK$696/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,388/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,467
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,917
−HK$458/mo
Today · 4.125%
HK$15,375
baseline
▲ 0.50% · 4.625%
HK$16,310
+HK$935/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,750/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,095
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,526
−HK$438/mo
Today · 4.125%
HK$16,964
baseline
▲ 0.50% · 4.625%
HK$17,859
+HK$895/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,928/mo (50% DSR)
Upfront cash ≈ HK$353K (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).