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$9,072
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,354
−HK$287/mo
Today · 4.125%
HK$9,641
baseline
▲ 0.50% · 4.625%
HK$10,227
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,282/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$10,092
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,363
−HK$275/mo
Today · 4.125%
HK$10,638
baseline
▲ 0.50% · 4.625%
HK$11,198
+HK$560/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,276/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$10,886
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,225
−HK$344/mo
Today · 4.125%
HK$11,569
baseline
▲ 0.50% · 4.625%
HK$12,273
+HK$704/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,138/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$12,111
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,436
−HK$329/mo
Today · 4.125%
HK$12,765
baseline
▲ 0.50% · 4.625%
HK$13,438
+HK$673/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,530/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$12,701
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,096
−HK$401/mo
Today · 4.125%
HK$13,497
baseline
▲ 0.50% · 4.625%
HK$14,318
+HK$821/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,994/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$14,129
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,508
−HK$385/mo
Today · 4.125%
HK$14,893
baseline
▲ 0.50% · 4.625%
HK$15,678
+HK$785/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,786/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$16,329
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,837
−HK$516/mo
Today · 4.125%
HK$17,353
baseline
▲ 0.50% · 4.625%
HK$18,409
+HK$1,056/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,706/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$18,166
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,654
−HK$494/mo
Today · 4.125%
HK$19,148
baseline
▲ 0.50% · 4.625%
HK$20,157
+HK$1,009/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,296/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).