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$5,057
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,214
−HK$160/mo
Today · 4.125%
HK$5,374
baseline
▲ 0.50% · 4.625%
HK$5,701
+HK$327/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,748/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,626
−HK$304/mo
▼ 0.25% · 3.875%
HK$5,776
−HK$154/mo
Today · 4.125%
HK$5,930
baseline
▲ 0.50% · 4.625%
HK$6,242
+HK$312/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,860/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,068
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,257
−HK$192/mo
Today · 4.125%
HK$6,449
baseline
▲ 0.50% · 4.625%
HK$6,841
+HK$392/mo
Deposit HK$887K · loan HK$1.33M · min. income ≈ HK$12,898/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,751
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,932
−HK$183/mo
Today · 4.125%
HK$7,115
baseline
▲ 0.50% · 4.625%
HK$7,490
+HK$375/mo
Deposit HK$887K · loan HK$1.33M · min. income ≈ HK$14,230/mo (50% DSR)
Upfront cash ≈ HK$887K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,079
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,300
−HK$223/mo
Today · 4.125%
HK$7,523
baseline
▲ 0.50% · 4.625%
HK$7,981
+HK$458/mo
Deposit HK$665K · loan HK$1.55M · min. income ≈ HK$15,046/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,876
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,087
−HK$214/mo
Today · 4.125%
HK$8,301
baseline
▲ 0.50% · 4.625%
HK$8,739
+HK$438/mo
Deposit HK$665K · loan HK$1.55M · min. income ≈ HK$16,602/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,102
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,385
−HK$288/mo
Today · 4.125%
HK$9,673
baseline
▲ 0.50% · 4.625%
HK$10,261
+HK$588/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,346/mo (50% DSR)
Upfront cash ≈ HK$222K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,126
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,398
−HK$275/mo
Today · 4.125%
HK$10,673
baseline
▲ 0.50% · 4.625%
HK$11,236
+HK$563/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,346/mo (50% DSR)
Upfront cash ≈ HK$222K (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).