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$9,075
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,357
−HK$287/mo
Today · 4.125%
HK$9,644
baseline
▲ 0.50% · 4.625%
HK$10,231
+HK$587/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,288/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$10,096
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,366
−HK$275/mo
Today · 4.125%
HK$10,641
baseline
▲ 0.50% · 4.625%
HK$11,202
+HK$561/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,282/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$10,890
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,229
−HK$344/mo
Today · 4.125%
HK$11,573
baseline
▲ 0.50% · 4.625%
HK$12,277
+HK$704/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,146/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$12,115
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,440
−HK$329/mo
Today · 4.125%
HK$12,769
baseline
▲ 0.50% · 4.625%
HK$13,442
+HK$673/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,538/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$12,705
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,100
−HK$402/mo
Today · 4.125%
HK$13,502
baseline
▲ 0.50% · 4.625%
HK$14,323
+HK$821/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$27,004/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$14,134
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,513
−HK$385/mo
Today · 4.125%
HK$14,898
baseline
▲ 0.50% · 4.625%
HK$15,683
+HK$785/mo
Deposit HK$1.19M · loan HK$2.79M · min. income ≈ HK$29,796/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$16,335
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,843
−HK$516/mo
Today · 4.125%
HK$17,359
baseline
▲ 0.50% · 4.625%
HK$18,415
+HK$1,056/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,718/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$18,172
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,660
−HK$494/mo
Today · 4.125%
HK$19,154
baseline
▲ 0.50% · 4.625%
HK$20,164
+HK$1,010/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,308/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).