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$7,929
−HK$497/mo
▼ 0.25% · 3.875%
HK$8,175
−HK$251/mo
Today · 4.125%
HK$8,426
baseline
▲ 0.50% · 4.625%
HK$8,938
+HK$512/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$16,852/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,820
−HK$477/mo
▼ 0.25% · 3.875%
HK$9,057
−HK$240/mo
Today · 4.125%
HK$9,297
baseline
▲ 0.50% · 4.625%
HK$9,787
+HK$490/mo
Deposit HK$1.74M · loan HK$1.74M · min. income ≈ HK$18,594/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,514
−HK$597/mo
▼ 0.25% · 3.875%
HK$9,810
−HK$301/mo
Today · 4.125%
HK$10,111
baseline
▲ 0.50% · 4.625%
HK$10,726
+HK$615/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$20,222/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,584
−HK$572/mo
▼ 0.25% · 3.875%
HK$10,868
−HK$288/mo
Today · 4.125%
HK$11,156
baseline
▲ 0.50% · 4.625%
HK$11,744
+HK$588/mo
Deposit HK$1.39M · loan HK$2.09M · min. income ≈ HK$22,312/mo (50% DSR)
Upfront cash ≈ HK$1.39M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,100
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,445
−HK$351/mo
Today · 4.125%
HK$11,796
baseline
▲ 0.50% · 4.625%
HK$12,514
+HK$718/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$23,592/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,349
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,680
−HK$336/mo
Today · 4.125%
HK$13,016
baseline
▲ 0.50% · 4.625%
HK$13,702
+HK$686/mo
Deposit HK$1.04M · loan HK$2.43M · min. income ≈ HK$26,032/mo (50% DSR)
Upfront cash ≈ HK$1.04M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,271
−HK$895/mo
▼ 0.25% · 3.875%
HK$14,715
−HK$451/mo
Today · 4.125%
HK$15,166
baseline
▲ 0.50% · 4.625%
HK$16,089
+HK$923/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,332/mo (50% DSR)
Upfront cash ≈ HK$348K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,877
−HK$857/mo
▼ 0.25% · 3.875%
HK$16,303
−HK$431/mo
Today · 4.125%
HK$16,734
baseline
▲ 0.50% · 4.625%
HK$17,617
+HK$883/mo
Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$33,468/mo (50% DSR)
Upfront cash ≈ HK$348K (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).