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$9,115
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,398
−HK$289/mo
Today · 4.125%
HK$9,687
baseline
▲ 0.50% · 4.625%
HK$10,276
+HK$589/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,374/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,140
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,412
−HK$276/mo
Today · 4.125%
HK$10,688
baseline
▲ 0.50% · 4.625%
HK$11,252
+HK$564/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,376/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,938
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,278
−HK$346/mo
Today · 4.125%
HK$11,624
baseline
▲ 0.50% · 4.625%
HK$12,331
+HK$707/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,248/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$12,168
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,495
−HK$331/mo
Today · 4.125%
HK$12,826
baseline
▲ 0.50% · 4.625%
HK$13,502
+HK$676/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,652/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$12,761
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,158
−HK$403/mo
Today · 4.125%
HK$13,561
baseline
▲ 0.50% · 4.625%
HK$14,386
+HK$825/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$27,122/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$14,196
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,577
−HK$386/mo
Today · 4.125%
HK$14,963
baseline
▲ 0.50% · 4.625%
HK$15,752
+HK$789/mo
Deposit HK$1.20M · loan HK$2.80M · min. income ≈ HK$29,926/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$16,407
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,917
−HK$519/mo
Today · 4.125%
HK$17,436
baseline
▲ 0.50% · 4.625%
HK$18,497
+HK$1,061/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$34,872/mo (50% DSR)
Upfront cash ≈ HK$400K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,252
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,742
−HK$497/mo
Today · 4.125%
HK$19,239
baseline
▲ 0.50% · 4.625%
HK$20,253
+HK$1,014/mo
Deposit HK$400K · loan HK$3.60M · min. income ≈ HK$38,478/mo (50% DSR)
Upfront cash ≈ HK$400K (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).