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$5,077
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,235
−HK$160/mo
Today · 4.125%
HK$5,395
baseline
▲ 0.50% · 4.625%
HK$5,723
+HK$328/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,790/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$5,648
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,799
−HK$154/mo
Today · 4.125%
HK$5,953
baseline
▲ 0.50% · 4.625%
HK$6,267
+HK$314/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,906/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$6,092
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,282
−HK$192/mo
Today · 4.125%
HK$6,474
baseline
▲ 0.50% · 4.625%
HK$6,868
+HK$394/mo
Deposit HK$891K · loan HK$1.34M · min. income ≈ HK$12,948/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,778
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,959
−HK$185/mo
Today · 4.125%
HK$7,144
baseline
▲ 0.50% · 4.625%
HK$7,520
+HK$376/mo
Deposit HK$891K · loan HK$1.34M · min. income ≈ HK$14,288/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,108
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,329
−HK$224/mo
Today · 4.125%
HK$7,553
baseline
▲ 0.50% · 4.625%
HK$8,013
+HK$460/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$15,106/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,907
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,119
−HK$215/mo
Today · 4.125%
HK$8,334
baseline
▲ 0.50% · 4.625%
HK$8,774
+HK$440/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$16,668/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,138
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,423
−HK$288/mo
Today · 4.125%
HK$9,711
baseline
▲ 0.50% · 4.625%
HK$10,302
+HK$591/mo
Deposit HK$223K · loan HK$2.00M · min. income ≈ HK$19,422/mo (50% DSR)
Upfront cash ≈ HK$223K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,166
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,439
−HK$277/mo
Today · 4.125%
HK$10,716
baseline
▲ 0.50% · 4.625%
HK$11,280
+HK$564/mo
Deposit HK$223K · loan HK$2.00M · min. income ≈ HK$21,432/mo (50% DSR)
Upfront cash ≈ HK$223K (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).