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$9,083
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,366
−HK$287/mo
Today · 4.125%
HK$9,653
baseline
▲ 0.50% · 4.625%
HK$10,240
+HK$587/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,306/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$10,105
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,376
−HK$275/mo
Today · 4.125%
HK$10,651
baseline
▲ 0.50% · 4.625%
HK$11,212
+HK$561/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,302/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$10,900
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,239
−HK$344/mo
Today · 4.125%
HK$11,583
baseline
▲ 0.50% · 4.625%
HK$12,288
+HK$705/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,166/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$12,126
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,451
−HK$330/mo
Today · 4.125%
HK$12,781
baseline
▲ 0.50% · 4.625%
HK$13,455
+HK$674/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,562/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$12,716
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,112
−HK$402/mo
Today · 4.125%
HK$13,514
baseline
▲ 0.50% · 4.625%
HK$14,336
+HK$822/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,028/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$14,147
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,526
−HK$385/mo
Today · 4.125%
HK$14,911
baseline
▲ 0.50% · 4.625%
HK$15,697
+HK$786/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,822/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$16,350
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,858
−HK$517/mo
Today · 4.125%
HK$17,375
baseline
▲ 0.50% · 4.625%
HK$18,432
+HK$1,057/mo
Deposit HK$398K · loan HK$3.59M · min. income ≈ HK$34,750/mo (50% DSR)
Upfront cash ≈ HK$398K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,189
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,677
−HK$494/mo
Today · 4.125%
HK$19,171
baseline
▲ 0.50% · 4.625%
HK$20,182
+HK$1,011/mo
Deposit HK$398K · loan HK$3.59M · min. income ≈ HK$38,342/mo (50% DSR)
Upfront cash ≈ HK$398K (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).