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$9,126
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,410
−HK$288/mo
Today · 4.125%
HK$9,698
baseline
▲ 0.50% · 4.625%
HK$10,288
+HK$590/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,396/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,152
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,425
−HK$276/mo
Today · 4.125%
HK$10,701
baseline
▲ 0.50% · 4.625%
HK$11,265
+HK$564/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,402/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,951
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,292
−HK$346/mo
Today · 4.125%
HK$11,638
baseline
▲ 0.50% · 4.625%
HK$12,346
+HK$708/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,276/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,183
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,510
−HK$331/mo
Today · 4.125%
HK$12,841
baseline
▲ 0.50% · 4.625%
HK$13,518
+HK$677/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,682/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,776
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,174
−HK$403/mo
Today · 4.125%
HK$13,577
baseline
▲ 0.50% · 4.625%
HK$14,404
+HK$827/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,154/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,213
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,595
−HK$386/mo
Today · 4.125%
HK$14,981
baseline
▲ 0.50% · 4.625%
HK$15,771
+HK$790/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,962/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,427
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,937
−HK$520/mo
Today · 4.125%
HK$17,457
baseline
▲ 0.50% · 4.625%
HK$18,519
+HK$1,062/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,914/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,274
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,764
−HK$498/mo
Today · 4.125%
HK$19,262
baseline
▲ 0.50% · 4.625%
HK$20,277
+HK$1,015/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,524/mo (50% DSR)
Upfront cash ≈ HK$401K (deposit + AVD stamp duty HK$523 · 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).