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$9,123
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,407
−HK$288/mo
Today · 4.125%
HK$9,695
baseline
▲ 0.50% · 4.625%
HK$10,285
+HK$590/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,390/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,149
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,421
−HK$276/mo
Today · 4.125%
HK$10,697
baseline
▲ 0.50% · 4.625%
HK$11,261
+HK$564/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,394/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,947
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,288
−HK$346/mo
Today · 4.125%
HK$11,634
baseline
▲ 0.50% · 4.625%
HK$12,342
+HK$708/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,268/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,179
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,505
−HK$332/mo
Today · 4.125%
HK$12,837
baseline
▲ 0.50% · 4.625%
HK$13,513
+HK$676/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,674/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,772
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,169
−HK$404/mo
Today · 4.125%
HK$13,573
baseline
▲ 0.50% · 4.625%
HK$14,399
+HK$826/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,146/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,209
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,590
−HK$386/mo
Today · 4.125%
HK$14,976
baseline
▲ 0.50% · 4.625%
HK$15,766
+HK$790/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,952/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,421
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,932
−HK$519/mo
Today · 4.125%
HK$17,451
baseline
▲ 0.50% · 4.625%
HK$18,513
+HK$1,062/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,902/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,268
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,758
−HK$497/mo
Today · 4.125%
HK$19,255
baseline
▲ 0.50% · 4.625%
HK$20,270
+HK$1,015/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,510/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$253 · 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).