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$9,013
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,293
−HK$285/mo
Today · 4.125%
HK$9,578
baseline
▲ 0.50% · 4.625%
HK$10,161
+HK$583/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,156/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,026
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,295
−HK$273/mo
Today · 4.125%
HK$10,568
baseline
▲ 0.50% · 4.625%
HK$11,125
+HK$557/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,136/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,815
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,152
−HK$341/mo
Today · 4.125%
HK$11,493
baseline
▲ 0.50% · 4.625%
HK$12,193
+HK$700/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,986/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$12,032
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,354
−HK$328/mo
Today · 4.125%
HK$12,682
baseline
▲ 0.50% · 4.625%
HK$13,350
+HK$668/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,364/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$12,618
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,010
−HK$399/mo
Today · 4.125%
HK$13,409
baseline
▲ 0.50% · 4.625%
HK$14,225
+HK$816/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,818/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$14,037
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,414
−HK$381/mo
Today · 4.125%
HK$14,795
baseline
▲ 0.50% · 4.625%
HK$15,575
+HK$780/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,590/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$16,223
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,727
−HK$513/mo
Today · 4.125%
HK$17,240
baseline
▲ 0.50% · 4.625%
HK$18,289
+HK$1,049/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$34,480/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$18,048
−HK$975/mo
▼ 0.25% · 3.875%
HK$18,532
−HK$491/mo
Today · 4.125%
HK$19,023
baseline
▲ 0.50% · 4.625%
HK$20,025
+HK$1,002/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$38,046/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).