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$8,526
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,791
−HK$270/mo
Today · 4.125%
HK$9,061
baseline
▲ 0.50% · 4.625%
HK$9,612
+HK$551/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,122/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,485
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,739
−HK$258/mo
Today · 4.125%
HK$9,997
baseline
▲ 0.50% · 4.625%
HK$10,524
+HK$527/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,994/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,231
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,549
−HK$324/mo
Today · 4.125%
HK$10,873
baseline
▲ 0.50% · 4.625%
HK$11,534
+HK$661/mo
Deposit HK$1.50M · loan HK$2.24M · min. income ≈ HK$21,746/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,382
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,687
−HK$310/mo
Today · 4.125%
HK$11,997
baseline
▲ 0.50% · 4.625%
HK$12,629
+HK$632/mo
Deposit HK$1.50M · loan HK$2.24M · min. income ≈ HK$23,994/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,936
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,308
−HK$377/mo
Today · 4.125%
HK$12,685
baseline
▲ 0.50% · 4.625%
HK$13,457
+HK$772/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,370/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,279
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,635
−HK$361/mo
Today · 4.125%
HK$13,996
baseline
▲ 0.50% · 4.625%
HK$14,734
+HK$738/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$27,992/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,347
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,824
−HK$485/mo
Today · 4.125%
HK$16,309
baseline
▲ 0.50% · 4.625%
HK$17,301
+HK$992/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$32,618/mo (50% DSR)
Upfront cash ≈ HK$374K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,073
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,531
−HK$464/mo
Today · 4.125%
HK$17,995
baseline
▲ 0.50% · 4.625%
HK$18,944
+HK$949/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$35,990/mo (50% DSR)
Upfront cash ≈ HK$374K (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).