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$9,066
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,348
−HK$286/mo
Today · 4.125%
HK$9,634
baseline
▲ 0.50% · 4.625%
HK$10,220
+HK$586/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,268/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$10,085
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,356
−HK$274/mo
Today · 4.125%
HK$10,630
baseline
▲ 0.50% · 4.625%
HK$11,191
+HK$561/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,260/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$10,879
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,217
−HK$344/mo
Today · 4.125%
HK$11,561
baseline
▲ 0.50% · 4.625%
HK$12,264
+HK$703/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$23,122/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$12,103
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,427
−HK$329/mo
Today · 4.125%
HK$12,756
baseline
▲ 0.50% · 4.625%
HK$13,429
+HK$673/mo
Deposit HK$1.59M · loan HK$2.39M · min. income ≈ HK$25,512/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$12,692
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,087
−HK$401/mo
Today · 4.125%
HK$13,488
baseline
▲ 0.50% · 4.625%
HK$14,309
+HK$821/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,976/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$14,120
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,498
−HK$384/mo
Today · 4.125%
HK$14,882
baseline
▲ 0.50% · 4.625%
HK$15,667
+HK$785/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,764/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$16,318
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,826
−HK$515/mo
Today · 4.125%
HK$17,341
baseline
▲ 0.50% · 4.625%
HK$18,397
+HK$1,056/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$34,682/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$18,154
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,641
−HK$494/mo
Today · 4.125%
HK$19,135
baseline
▲ 0.50% · 4.625%
HK$20,143
+HK$1,008/mo
Deposit HK$398K · loan HK$3.58M · min. income ≈ HK$38,270/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).