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$9,094
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,376
−HK$288/mo
Today · 4.125%
HK$9,664
baseline
▲ 0.50% · 4.625%
HK$10,252
+HK$588/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,328/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$10,116
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,388
−HK$275/mo
Today · 4.125%
HK$10,663
baseline
▲ 0.50% · 4.625%
HK$11,225
+HK$562/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,326/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$10,912
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,252
−HK$345/mo
Today · 4.125%
HK$11,597
baseline
▲ 0.50% · 4.625%
HK$12,302
+HK$705/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$23,194/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,140
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,465
−HK$331/mo
Today · 4.125%
HK$12,796
baseline
▲ 0.50% · 4.625%
HK$13,470
+HK$674/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$25,592/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,731
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,127
−HK$402/mo
Today · 4.125%
HK$13,529
baseline
▲ 0.50% · 4.625%
HK$14,353
+HK$824/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,058/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,163
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,543
−HK$385/mo
Today · 4.125%
HK$14,928
baseline
▲ 0.50% · 4.625%
HK$15,715
+HK$787/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,856/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,368
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,878
−HK$517/mo
Today · 4.125%
HK$17,395
baseline
▲ 0.50% · 4.625%
HK$18,453
+HK$1,058/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,790/mo (50% DSR)
Upfront cash ≈ HK$399K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,210
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,698
−HK$495/mo
Today · 4.125%
HK$19,193
baseline
▲ 0.50% · 4.625%
HK$20,205
+HK$1,012/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,386/mo (50% DSR)
Upfront cash ≈ HK$399K (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).