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$8,289
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,547
−HK$262/mo
Today · 4.125%
HK$8,809
baseline
▲ 0.50% · 4.625%
HK$9,345
+HK$536/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,618/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,222
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,469
−HK$251/mo
Today · 4.125%
HK$9,720
baseline
▲ 0.50% · 4.625%
HK$10,233
+HK$513/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,440/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,947
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,257
−HK$314/mo
Today · 4.125%
HK$10,571
baseline
▲ 0.50% · 4.625%
HK$11,214
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,142/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,066
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,363
−HK$301/mo
Today · 4.125%
HK$11,664
baseline
▲ 0.50% · 4.625%
HK$12,279
+HK$615/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,328/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,605
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,966
−HK$367/mo
Today · 4.125%
HK$12,333
baseline
▲ 0.50% · 4.625%
HK$13,083
+HK$750/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,666/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,911
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,257
−HK$351/mo
Today · 4.125%
HK$13,608
baseline
▲ 0.50% · 4.625%
HK$14,326
+HK$718/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,216/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,921
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,385
−HK$472/mo
Today · 4.125%
HK$15,857
baseline
▲ 0.50% · 4.625%
HK$16,821
+HK$964/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$31,714/mo (50% DSR)
Upfront cash ≈ HK$364K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,599
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,045
−HK$451/mo
Today · 4.125%
HK$17,496
baseline
▲ 0.50% · 4.625%
HK$18,419
+HK$923/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$34,992/mo (50% DSR)
Upfront cash ≈ HK$364K (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).