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$8,209
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,465
−HK$259/mo
Today · 4.125%
HK$8,724
baseline
▲ 0.50% · 4.625%
HK$9,255
+HK$531/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$17,448/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,133
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,378
−HK$248/mo
Today · 4.125%
HK$9,626
baseline
▲ 0.50% · 4.625%
HK$10,133
+HK$507/mo
Deposit HK$1.80M · loan HK$1.80M · min. income ≈ HK$19,252/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,851
−HK$618/mo
▼ 0.25% · 3.875%
HK$10,157
−HK$312/mo
Today · 4.125%
HK$10,469
baseline
▲ 0.50% · 4.625%
HK$11,106
+HK$637/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$20,938/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,959
−HK$592/mo
▼ 0.25% · 3.875%
HK$11,253
−HK$298/mo
Today · 4.125%
HK$11,551
baseline
▲ 0.50% · 4.625%
HK$12,160
+HK$609/mo
Deposit HK$1.44M · loan HK$2.16M · min. income ≈ HK$23,102/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,493
−HK$721/mo
▼ 0.25% · 3.875%
HK$11,850
−HK$364/mo
Today · 4.125%
HK$12,214
baseline
▲ 0.50% · 4.625%
HK$12,957
+HK$743/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$24,428/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,786
−HK$690/mo
▼ 0.25% · 3.875%
HK$13,129
−HK$347/mo
Today · 4.125%
HK$13,476
baseline
▲ 0.50% · 4.625%
HK$14,187
+HK$711/mo
Deposit HK$1.08M · loan HK$2.52M · min. income ≈ HK$26,952/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,777
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,236
−HK$467/mo
Today · 4.125%
HK$15,703
baseline
▲ 0.50% · 4.625%
HK$16,659
+HK$956/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,406/mo (50% DSR)
Upfront cash ≈ HK$360K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,439
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,880
−HK$447/mo
Today · 4.125%
HK$17,327
baseline
▲ 0.50% · 4.625%
HK$18,240
+HK$913/mo
Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$34,654/mo (50% DSR)
Upfront cash ≈ HK$360K (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).