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$9,071
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,353
−HK$287/mo
Today · 4.125%
HK$9,640
baseline
▲ 0.50% · 4.625%
HK$10,226
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,280/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,091
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,362
−HK$275/mo
Today · 4.125%
HK$10,637
baseline
▲ 0.50% · 4.625%
HK$11,197
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,274/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,885
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,224
−HK$344/mo
Today · 4.125%
HK$11,568
baseline
▲ 0.50% · 4.625%
HK$12,272
+HK$704/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,136/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,110
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,434
−HK$330/mo
Today · 4.125%
HK$12,764
baseline
▲ 0.50% · 4.625%
HK$13,437
+HK$673/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,528/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,699
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,094
−HK$402/mo
Today · 4.125%
HK$13,496
baseline
▲ 0.50% · 4.625%
HK$14,317
+HK$821/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,992/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,128
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,507
−HK$384/mo
Today · 4.125%
HK$14,891
baseline
▲ 0.50% · 4.625%
HK$15,676
+HK$785/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,782/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,328
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,836
−HK$516/mo
Today · 4.125%
HK$17,352
baseline
▲ 0.50% · 4.625%
HK$18,407
+HK$1,055/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,704/mo (50% DSR)
Upfront cash ≈ HK$398K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,164
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,652
−HK$494/mo
Today · 4.125%
HK$19,146
baseline
▲ 0.50% · 4.625%
HK$20,155
+HK$1,009/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,292/mo (50% DSR)
Upfront cash ≈ HK$398K (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).