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$9,094
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,377
−HK$287/mo
Today · 4.125%
HK$9,664
baseline
▲ 0.50% · 4.625%
HK$10,252
+HK$588/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$19,328/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$10,117
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,388
−HK$275/mo
Today · 4.125%
HK$10,663
baseline
▲ 0.50% · 4.625%
HK$11,225
+HK$562/mo
Deposit HK$1.99M · loan HK$1.99M · min. income ≈ HK$21,326/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$10,912
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,252
−HK$345/mo
Today · 4.125%
HK$11,597
baseline
▲ 0.50% · 4.625%
HK$12,302
+HK$705/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$23,194/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,140
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,466
−HK$330/mo
Today · 4.125%
HK$12,796
baseline
▲ 0.50% · 4.625%
HK$13,470
+HK$674/mo
Deposit HK$1.60M · loan HK$2.39M · min. income ≈ HK$25,592/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,731
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,127
−HK$403/mo
Today · 4.125%
HK$13,530
baseline
▲ 0.50% · 4.625%
HK$14,353
+HK$823/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$27,060/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$14,163
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,543
−HK$386/mo
Today · 4.125%
HK$14,929
baseline
▲ 0.50% · 4.625%
HK$15,715
+HK$786/mo
Deposit HK$1.20M · loan HK$2.79M · min. income ≈ HK$29,858/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$16,369
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,878
−HK$517/mo
Today · 4.125%
HK$17,395
baseline
▲ 0.50% · 4.625%
HK$18,454
+HK$1,059/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,790/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$18,210
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,698
−HK$496/mo
Today · 4.125%
HK$19,194
baseline
▲ 0.50% · 4.625%
HK$20,206
+HK$1,012/mo
Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$38,388/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).