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$9,035
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,316
−HK$286/mo
Today · 4.125%
HK$9,602
baseline
▲ 0.50% · 4.625%
HK$10,186
+HK$584/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,204/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$10,052
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,321
−HK$274/mo
Today · 4.125%
HK$10,595
baseline
▲ 0.50% · 4.625%
HK$11,153
+HK$558/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,190/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$10,842
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,180
−HK$342/mo
Today · 4.125%
HK$11,522
baseline
▲ 0.50% · 4.625%
HK$12,223
+HK$701/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$23,044/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$12,062
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,385
−HK$329/mo
Today · 4.125%
HK$12,714
baseline
▲ 0.50% · 4.625%
HK$13,384
+HK$670/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$25,428/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$12,649
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,043
−HK$400/mo
Today · 4.125%
HK$13,443
baseline
▲ 0.50% · 4.625%
HK$14,261
+HK$818/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,886/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$14,072
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,450
−HK$383/mo
Today · 4.125%
HK$14,833
baseline
▲ 0.50% · 4.625%
HK$15,614
+HK$781/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,666/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$16,263
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,769
−HK$514/mo
Today · 4.125%
HK$17,283
baseline
▲ 0.50% · 4.625%
HK$18,335
+HK$1,052/mo
Deposit HK$396K · loan HK$3.57M · min. income ≈ HK$34,566/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$18,093
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,578
−HK$492/mo
Today · 4.125%
HK$19,070
baseline
▲ 0.50% · 4.625%
HK$20,076
+HK$1,006/mo
Deposit HK$396K · loan HK$3.57M · min. income ≈ HK$38,140/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).