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$9,038
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,319
−HK$286/mo
Today · 4.125%
HK$9,605
baseline
▲ 0.50% · 4.625%
HK$10,189
+HK$584/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,210/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$10,055
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,324
−HK$274/mo
Today · 4.125%
HK$10,598
baseline
▲ 0.50% · 4.625%
HK$11,156
+HK$558/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,196/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$10,845
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,183
−HK$343/mo
Today · 4.125%
HK$11,526
baseline
▲ 0.50% · 4.625%
HK$12,227
+HK$701/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,052/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$12,065
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,389
−HK$328/mo
Today · 4.125%
HK$12,717
baseline
▲ 0.50% · 4.625%
HK$13,388
+HK$671/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,434/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$12,653
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,047
−HK$399/mo
Today · 4.125%
HK$13,446
baseline
▲ 0.50% · 4.625%
HK$14,265
+HK$819/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,892/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$14,076
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,454
−HK$383/mo
Today · 4.125%
HK$14,837
baseline
▲ 0.50% · 4.625%
HK$15,619
+HK$782/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,674/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$16,268
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$16,774
−HK$514/mo
Today · 4.125%
HK$17,288
baseline
▲ 0.50% · 4.625%
HK$18,340
+HK$1,052/mo
Deposit HK$396K · loan HK$3.57M · min. income ≈ HK$34,576/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$18,098
−HK$978/mo
▼ 0.25% · 3.875%
HK$18,583
−HK$493/mo
Today · 4.125%
HK$19,076
baseline
▲ 0.50% · 4.625%
HK$20,081
+HK$1,005/mo
Deposit HK$396K · loan HK$3.57M · min. income ≈ HK$38,152/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).