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$9,001
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,281
−HK$284/mo
Today · 4.125%
HK$9,565
baseline
▲ 0.50% · 4.625%
HK$10,147
+HK$582/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$19,130/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,013
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,282
−HK$272/mo
Today · 4.125%
HK$10,554
baseline
▲ 0.50% · 4.625%
HK$11,110
+HK$556/mo
Deposit HK$1.97M · loan HK$1.97M · min. income ≈ HK$21,108/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,801
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,137
−HK$341/mo
Today · 4.125%
HK$11,478
baseline
▲ 0.50% · 4.625%
HK$12,177
+HK$699/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,956/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,016
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,338
−HK$327/mo
Today · 4.125%
HK$12,665
baseline
▲ 0.50% · 4.625%
HK$13,333
+HK$668/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,330/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,601
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,993
−HK$398/mo
Today · 4.125%
HK$13,391
baseline
▲ 0.50% · 4.625%
HK$14,206
+HK$815/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$26,782/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,018
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,394
−HK$382/mo
Today · 4.125%
HK$14,776
baseline
▲ 0.50% · 4.625%
HK$15,555
+HK$779/mo
Deposit HK$1.18M · loan HK$2.76M · min. income ≈ HK$29,552/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,201
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$16,705
−HK$512/mo
Today · 4.125%
HK$17,217
baseline
▲ 0.50% · 4.625%
HK$18,265
+HK$1,048/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$34,434/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,024
−HK$973/mo
▼ 0.25% · 3.875%
HK$18,507
−HK$490/mo
Today · 4.125%
HK$18,997
baseline
▲ 0.50% · 4.625%
HK$19,999
+HK$1,002/mo
Deposit HK$395K · loan HK$3.55M · min. income ≈ HK$37,994/mo (50% DSR)
Upfront cash ≈ HK$395K (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).