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$9,051
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,333
−HK$286/mo
Today · 4.125%
HK$9,619
baseline
▲ 0.50% · 4.625%
HK$10,204
+HK$585/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,238/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$10,070
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,340
−HK$274/mo
Today · 4.125%
HK$10,614
baseline
▲ 0.50% · 4.625%
HK$11,173
+HK$559/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,228/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$10,862
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,200
−HK$343/mo
Today · 4.125%
HK$11,543
baseline
▲ 0.50% · 4.625%
HK$12,245
+HK$702/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,086/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$12,084
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,408
−HK$328/mo
Today · 4.125%
HK$12,736
baseline
▲ 0.50% · 4.625%
HK$13,408
+HK$672/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,472/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$12,672
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,066
−HK$401/mo
Today · 4.125%
HK$13,467
baseline
▲ 0.50% · 4.625%
HK$14,286
+HK$819/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,934/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$14,097
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,476
−HK$383/mo
Today · 4.125%
HK$14,859
baseline
▲ 0.50% · 4.625%
HK$15,642
+HK$783/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,718/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$16,293
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$16,799
−HK$515/mo
Today · 4.125%
HK$17,314
baseline
▲ 0.50% · 4.625%
HK$18,368
+HK$1,054/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$34,628/mo (50% DSR)
Upfront cash ≈ HK$397K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,125
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,611
−HK$494/mo
Today · 4.125%
HK$19,105
baseline
▲ 0.50% · 4.625%
HK$20,112
+HK$1,007/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$38,210/mo (50% DSR)
Upfront cash ≈ HK$397K (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).