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$9,140
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,424
−HK$289/mo
Today · 4.125%
HK$9,713
baseline
▲ 0.50% · 4.625%
HK$10,304
+HK$591/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$19,426/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$1,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,168
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,441
−HK$276/mo
Today · 4.125%
HK$10,717
baseline
▲ 0.50% · 4.625%
HK$11,282
+HK$565/mo
Deposit HK$2.00M · loan HK$2.00M · min. income ≈ HK$21,434/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$1,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,968
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,309
−HK$347/mo
Today · 4.125%
HK$11,656
baseline
▲ 0.50% · 4.625%
HK$12,365
+HK$709/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$23,312/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$1,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,202
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,529
−HK$332/mo
Today · 4.125%
HK$12,861
baseline
▲ 0.50% · 4.625%
HK$13,539
+HK$678/mo
Deposit HK$1.60M · loan HK$2.40M · min. income ≈ HK$25,722/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$1,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,796
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,194
−HK$404/mo
Today · 4.125%
HK$13,598
baseline
▲ 0.50% · 4.625%
HK$14,426
+HK$828/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$27,196/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,235
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,617
−HK$387/mo
Today · 4.125%
HK$15,004
baseline
▲ 0.50% · 4.625%
HK$15,795
+HK$791/mo
Deposit HK$1.20M · loan HK$2.81M · min. income ≈ HK$30,008/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$1,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,452
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,964
−HK$520/mo
Today · 4.125%
HK$17,484
baseline
▲ 0.50% · 4.625%
HK$18,547
+HK$1,063/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$34,968/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$1,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,302
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,793
−HK$498/mo
Today · 4.125%
HK$19,291
baseline
▲ 0.50% · 4.625%
HK$20,308
+HK$1,017/mo
Deposit HK$401K · loan HK$3.61M · min. income ≈ HK$38,582/mo (50% DSR)
Upfront cash ≈ HK$403K (deposit + AVD stamp duty HK$1,756 · 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).