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$5,033
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,190
−HK$159/mo
Today · 4.125%
HK$5,349
baseline
▲ 0.50% · 4.625%
HK$5,674
+HK$325/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,698/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,599
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,749
−HK$153/mo
Today · 4.125%
HK$5,902
baseline
▲ 0.50% · 4.625%
HK$6,213
+HK$311/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,804/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,040
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,227
−HK$191/mo
Today · 4.125%
HK$6,418
baseline
▲ 0.50% · 4.625%
HK$6,809
+HK$391/mo
Deposit HK$883K · loan HK$1.32M · min. income ≈ HK$12,836/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,719
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,899
−HK$183/mo
Today · 4.125%
HK$7,082
baseline
▲ 0.50% · 4.625%
HK$7,455
+HK$373/mo
Deposit HK$883K · loan HK$1.32M · min. income ≈ HK$14,164/mo (50% DSR)
Upfront cash ≈ HK$883K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,046
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,265
−HK$223/mo
Today · 4.125%
HK$7,488
baseline
▲ 0.50% · 4.625%
HK$7,944
+HK$456/mo
Deposit HK$662K · loan HK$1.55M · min. income ≈ HK$14,976/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,839
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,049
−HK$213/mo
Today · 4.125%
HK$8,262
baseline
▲ 0.50% · 4.625%
HK$8,698
+HK$436/mo
Deposit HK$662K · loan HK$1.55M · min. income ≈ HK$16,524/mo (50% DSR)
Upfront cash ≈ HK$662K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,059
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,341
−HK$286/mo
Today · 4.125%
HK$9,627
baseline
▲ 0.50% · 4.625%
HK$10,213
+HK$586/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,254/mo (50% DSR)
Upfront cash ≈ HK$221K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,078
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,349
−HK$274/mo
Today · 4.125%
HK$10,623
baseline
▲ 0.50% · 4.625%
HK$11,183
+HK$560/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,246/mo (50% DSR)
Upfront cash ≈ HK$221K (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).