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$9,055
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,337
−HK$286/mo
Today · 4.125%
HK$9,623
baseline
▲ 0.50% · 4.625%
HK$10,209
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,246/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$10,074
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,344
−HK$274/mo
Today · 4.125%
HK$10,618
baseline
▲ 0.50% · 4.625%
HK$11,178
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,236/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$10,866
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,204
−HK$344/mo
Today · 4.125%
HK$11,548
baseline
▲ 0.50% · 4.625%
HK$12,250
+HK$702/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,096/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$12,089
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,413
−HK$329/mo
Today · 4.125%
HK$12,742
baseline
▲ 0.50% · 4.625%
HK$13,413
+HK$671/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,484/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$12,677
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,072
−HK$400/mo
Today · 4.125%
HK$13,472
baseline
▲ 0.50% · 4.625%
HK$14,292
+HK$820/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,944/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$14,103
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,482
−HK$383/mo
Today · 4.125%
HK$14,865
baseline
▲ 0.50% · 4.625%
HK$15,649
+HK$784/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,730/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$16,299
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,806
−HK$515/mo
Today · 4.125%
HK$17,321
baseline
▲ 0.50% · 4.625%
HK$18,375
+HK$1,054/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$34,642/mo (50% DSR)
Upfront cash ≈ HK$397K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,133
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,619
−HK$493/mo
Today · 4.125%
HK$19,112
baseline
▲ 0.50% · 4.625%
HK$20,120
+HK$1,008/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$38,224/mo (50% DSR)
Upfront cash ≈ HK$397K (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).