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$9,151
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,436
−HK$289/mo
Today · 4.125%
HK$9,725
baseline
▲ 0.50% · 4.625%
HK$10,317
+HK$592/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$19,450/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,181
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,454
−HK$277/mo
Today · 4.125%
HK$10,731
baseline
▲ 0.50% · 4.625%
HK$11,296
+HK$565/mo
Deposit HK$2.01M · loan HK$2.01M · min. income ≈ HK$21,462/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$2,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,981
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,323
−HK$347/mo
Today · 4.125%
HK$11,670
baseline
▲ 0.50% · 4.625%
HK$12,380
+HK$710/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$23,340/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,217
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,544
−HK$333/mo
Today · 4.125%
HK$12,877
baseline
▲ 0.50% · 4.625%
HK$13,556
+HK$679/mo
Deposit HK$1.61M · loan HK$2.41M · min. income ≈ HK$25,754/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$2,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,812
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,210
−HK$405/mo
Today · 4.125%
HK$13,615
baseline
▲ 0.50% · 4.625%
HK$14,444
+HK$829/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,230/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,253
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,635
−HK$388/mo
Today · 4.125%
HK$15,023
baseline
▲ 0.50% · 4.625%
HK$15,815
+HK$792/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,046/mo (50% DSR)
Upfront cash ≈ HK$1.21M (deposit + AVD stamp duty HK$2,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,472
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,985
−HK$520/mo
Today · 4.125%
HK$17,505
baseline
▲ 0.50% · 4.625%
HK$18,570
+HK$1,065/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$35,010/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$2,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,325
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,817
−HK$498/mo
Today · 4.125%
HK$19,315
baseline
▲ 0.50% · 4.625%
HK$20,333
+HK$1,018/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,630/mo (50% DSR)
Upfront cash ≈ HK$404K (deposit + AVD stamp duty HK$2,749 · 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).