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$9,089
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,372
−HK$287/mo
Today · 4.125%
HK$9,659
baseline
▲ 0.50% · 4.625%
HK$10,246
+HK$587/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,318/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$10,111
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,382
−HK$276/mo
Today · 4.125%
HK$10,658
baseline
▲ 0.50% · 4.625%
HK$11,219
+HK$561/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,316/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$10,907
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,246
−HK$345/mo
Today · 4.125%
HK$11,591
baseline
▲ 0.50% · 4.625%
HK$12,296
+HK$705/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,182/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$12,133
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,459
−HK$330/mo
Today · 4.125%
HK$12,789
baseline
▲ 0.50% · 4.625%
HK$13,463
+HK$674/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,578/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$12,724
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,120
−HK$402/mo
Today · 4.125%
HK$13,522
baseline
▲ 0.50% · 4.625%
HK$14,345
+HK$823/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,044/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$14,156
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,535
−HK$386/mo
Today · 4.125%
HK$14,921
baseline
▲ 0.50% · 4.625%
HK$15,707
+HK$786/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,842/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$16,360
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,869
−HK$517/mo
Today · 4.125%
HK$17,386
baseline
▲ 0.50% · 4.625%
HK$18,444
+HK$1,058/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,772/mo (50% DSR)
Upfront cash ≈ HK$399K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,200
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,688
−HK$496/mo
Today · 4.125%
HK$19,184
baseline
▲ 0.50% · 4.625%
HK$20,195
+HK$1,011/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,368/mo (50% DSR)
Upfront cash ≈ HK$399K (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).