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$9,100
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,383
−HK$288/mo
Today · 4.125%
HK$9,671
baseline
▲ 0.50% · 4.625%
HK$10,259
+HK$588/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,342/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,124
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,395
−HK$276/mo
Today · 4.125%
HK$10,671
baseline
▲ 0.50% · 4.625%
HK$11,233
+HK$562/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,342/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,920
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,260
−HK$345/mo
Today · 4.125%
HK$11,605
baseline
▲ 0.50% · 4.625%
HK$12,311
+HK$706/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$23,210/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,149
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,474
−HK$331/mo
Today · 4.125%
HK$12,805
baseline
▲ 0.50% · 4.625%
HK$13,480
+HK$675/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$25,610/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,740
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,136
−HK$403/mo
Today · 4.125%
HK$13,539
baseline
▲ 0.50% · 4.625%
HK$14,363
+HK$824/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,078/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,173
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,553
−HK$386/mo
Today · 4.125%
HK$14,939
baseline
▲ 0.50% · 4.625%
HK$15,726
+HK$787/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,878/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,380
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,890
−HK$517/mo
Today · 4.125%
HK$17,407
baseline
▲ 0.50% · 4.625%
HK$18,467
+HK$1,060/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,814/mo (50% DSR)
Upfront cash ≈ HK$399K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,223
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,712
−HK$495/mo
Today · 4.125%
HK$19,207
baseline
▲ 0.50% · 4.625%
HK$20,220
+HK$1,013/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,414/mo (50% DSR)
Upfront cash ≈ HK$399K (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).