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$5,115
−HK$321/mo
▼ 0.25% · 3.875%
HK$5,274
−HK$162/mo
Today · 4.125%
HK$5,436
baseline
▲ 0.50% · 4.625%
HK$5,766
+HK$330/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,872/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,690
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,843
−HK$155/mo
Today · 4.125%
HK$5,998
baseline
▲ 0.50% · 4.625%
HK$6,314
+HK$316/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,996/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,138
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,329
−HK$194/mo
Today · 4.125%
HK$6,523
baseline
▲ 0.50% · 4.625%
HK$6,920
+HK$397/mo
Deposit HK$897K · loan HK$1.35M · min. income ≈ HK$13,046/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,828
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,011
−HK$186/mo
Today · 4.125%
HK$7,197
baseline
▲ 0.50% · 4.625%
HK$7,577
+HK$380/mo
Deposit HK$897K · loan HK$1.35M · min. income ≈ HK$14,394/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,161
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,384
−HK$226/mo
Today · 4.125%
HK$7,610
baseline
▲ 0.50% · 4.625%
HK$8,073
+HK$463/mo
Deposit HK$673K · loan HK$1.57M · min. income ≈ HK$15,220/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,966
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,180
−HK$217/mo
Today · 4.125%
HK$8,397
baseline
▲ 0.50% · 4.625%
HK$8,839
+HK$442/mo
Deposit HK$673K · loan HK$1.57M · min. income ≈ HK$16,794/mo (50% DSR)
Upfront cash ≈ HK$673K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,207
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,493
−HK$291/mo
Today · 4.125%
HK$9,784
baseline
▲ 0.50% · 4.625%
HK$10,379
+HK$595/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$19,568/mo (50% DSR)
Upfront cash ≈ HK$224K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,242
−HK$554/mo
▼ 0.25% · 3.875%
HK$10,517
−HK$279/mo
Today · 4.125%
HK$10,796
baseline
▲ 0.50% · 4.625%
HK$11,365
+HK$569/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$21,592/mo (50% DSR)
Upfront cash ≈ HK$224K (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).