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$9,017
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,298
−HK$284/mo
Today · 4.125%
HK$9,582
baseline
▲ 0.50% · 4.625%
HK$10,166
+HK$584/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,164/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$10,031
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,300
−HK$273/mo
Today · 4.125%
HK$10,573
baseline
▲ 0.50% · 4.625%
HK$11,131
+HK$558/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,146/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$10,820
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,157
−HK$342/mo
Today · 4.125%
HK$11,499
baseline
▲ 0.50% · 4.625%
HK$12,199
+HK$700/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$22,998/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$12,038
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,360
−HK$328/mo
Today · 4.125%
HK$12,688
baseline
▲ 0.50% · 4.625%
HK$13,357
+HK$669/mo
Deposit HK$1.58M · loan HK$2.37M · min. income ≈ HK$25,376/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$12,624
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,017
−HK$398/mo
Today · 4.125%
HK$13,415
baseline
▲ 0.50% · 4.625%
HK$14,232
+HK$817/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,830/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$14,044
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,421
−HK$382/mo
Today · 4.125%
HK$14,803
baseline
▲ 0.50% · 4.625%
HK$15,583
+HK$780/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,606/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$16,231
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$16,736
−HK$512/mo
Today · 4.125%
HK$17,248
baseline
▲ 0.50% · 4.625%
HK$18,298
+HK$1,050/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$34,496/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$18,056
−HK$976/mo
▼ 0.25% · 3.875%
HK$18,541
−HK$491/mo
Today · 4.125%
HK$19,032
baseline
▲ 0.50% · 4.625%
HK$20,035
+HK$1,003/mo
Deposit HK$395K · loan HK$3.56M · min. income ≈ HK$38,064/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).