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$9,058
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,339
−HK$287/mo
Today · 4.125%
HK$9,626
baseline
▲ 0.50% · 4.625%
HK$10,211
+HK$585/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,252/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,077
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,347
−HK$274/mo
Today · 4.125%
HK$10,621
baseline
▲ 0.50% · 4.625%
HK$11,181
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,242/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,869
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,207
−HK$344/mo
Today · 4.125%
HK$11,551
baseline
▲ 0.50% · 4.625%
HK$12,254
+HK$703/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,102/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$12,092
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,416
−HK$329/mo
Today · 4.125%
HK$12,745
baseline
▲ 0.50% · 4.625%
HK$13,417
+HK$672/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,490/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$12,681
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,075
−HK$401/mo
Today · 4.125%
HK$13,476
baseline
▲ 0.50% · 4.625%
HK$14,296
+HK$820/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,952/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$14,107
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,486
−HK$383/mo
Today · 4.125%
HK$14,869
baseline
▲ 0.50% · 4.625%
HK$15,653
+HK$784/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,738/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$16,304
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,811
−HK$515/mo
Today · 4.125%
HK$17,326
baseline
▲ 0.50% · 4.625%
HK$18,381
+HK$1,055/mo
Deposit HK$397K · loan HK$3.58M · min. income ≈ HK$34,652/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$18,138
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,624
−HK$494/mo
Today · 4.125%
HK$19,118
baseline
▲ 0.50% · 4.625%
HK$20,126
+HK$1,008/mo
Deposit HK$397K · loan HK$3.58M · min. income ≈ HK$38,236/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).