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$9,030
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,311
−HK$285/mo
Today · 4.125%
HK$9,596
baseline
▲ 0.50% · 4.625%
HK$10,180
+HK$584/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,192/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$10,046
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,315
−HK$273/mo
Today · 4.125%
HK$10,588
baseline
▲ 0.50% · 4.625%
HK$11,146
+HK$558/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,176/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$10,836
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,173
−HK$342/mo
Today · 4.125%
HK$11,515
baseline
▲ 0.50% · 4.625%
HK$12,216
+HK$701/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$23,030/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$12,055
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,378
−HK$328/mo
Today · 4.125%
HK$12,706
baseline
▲ 0.50% · 4.625%
HK$13,376
+HK$670/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$25,412/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$12,642
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,035
−HK$399/mo
Today · 4.125%
HK$13,434
baseline
▲ 0.50% · 4.625%
HK$14,252
+HK$818/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,868/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$14,064
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,441
−HK$383/mo
Today · 4.125%
HK$14,824
baseline
▲ 0.50% · 4.625%
HK$15,605
+HK$781/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,648/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$16,254
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,759
−HK$514/mo
Today · 4.125%
HK$17,273
baseline
▲ 0.50% · 4.625%
HK$18,324
+HK$1,051/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$34,546/mo (50% DSR)
Upfront cash ≈ HK$396K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,082
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,567
−HK$492/mo
Today · 4.125%
HK$19,059
baseline
▲ 0.50% · 4.625%
HK$20,063
+HK$1,004/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$38,118/mo (50% DSR)
Upfront cash ≈ HK$396K (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).