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$9,028
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,309
−HK$286/mo
Today · 4.125%
HK$9,595
baseline
▲ 0.50% · 4.625%
HK$10,178
+HK$583/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,190/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$10,044
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,313
−HK$274/mo
Today · 4.125%
HK$10,587
baseline
▲ 0.50% · 4.625%
HK$11,145
+HK$558/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,174/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$10,834
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,171
−HK$343/mo
Today · 4.125%
HK$11,514
baseline
▲ 0.50% · 4.625%
HK$12,214
+HK$700/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$23,028/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,053
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,376
−HK$328/mo
Today · 4.125%
HK$12,704
baseline
▲ 0.50% · 4.625%
HK$13,374
+HK$670/mo
Deposit HK$1.58M · loan HK$2.38M · min. income ≈ HK$25,408/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,640
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,033
−HK$399/mo
Today · 4.125%
HK$13,432
baseline
▲ 0.50% · 4.625%
HK$14,250
+HK$818/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$26,864/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$14,062
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,439
−HK$382/mo
Today · 4.125%
HK$14,821
baseline
▲ 0.50% · 4.625%
HK$15,603
+HK$782/mo
Deposit HK$1.19M · loan HK$2.77M · min. income ≈ HK$29,642/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$16,251
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,757
−HK$513/mo
Today · 4.125%
HK$17,270
baseline
▲ 0.50% · 4.625%
HK$18,321
+HK$1,051/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$34,540/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$18,079
−HK$977/mo
▼ 0.25% · 3.875%
HK$18,564
−HK$492/mo
Today · 4.125%
HK$19,056
baseline
▲ 0.50% · 4.625%
HK$20,061
+HK$1,005/mo
Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$38,112/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).