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$5,018
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,174
−HK$159/mo
Today · 4.125%
HK$5,333
baseline
▲ 0.50% · 4.625%
HK$5,657
+HK$324/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,666/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$5,582
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,732
−HK$152/mo
Today · 4.125%
HK$5,884
baseline
▲ 0.50% · 4.625%
HK$6,194
+HK$310/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,768/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$6,022
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,209
−HK$190/mo
Today · 4.125%
HK$6,399
baseline
▲ 0.50% · 4.625%
HK$6,789
+HK$390/mo
Deposit HK$880K · loan HK$1.32M · min. income ≈ HK$12,798/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,699
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,879
−HK$182/mo
Today · 4.125%
HK$7,061
baseline
▲ 0.50% · 4.625%
HK$7,433
+HK$372/mo
Deposit HK$880K · loan HK$1.32M · min. income ≈ HK$14,122/mo (50% DSR)
Upfront cash ≈ HK$880K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,025
−HK$441/mo
▼ 0.25% · 3.875%
HK$7,244
−HK$222/mo
Today · 4.125%
HK$7,466
baseline
▲ 0.50% · 4.625%
HK$7,920
+HK$454/mo
Deposit HK$660K · loan HK$1.54M · min. income ≈ HK$14,932/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,815
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,025
−HK$213/mo
Today · 4.125%
HK$8,238
baseline
▲ 0.50% · 4.625%
HK$8,672
+HK$434/mo
Deposit HK$660K · loan HK$1.54M · min. income ≈ HK$16,476/mo (50% DSR)
Upfront cash ≈ HK$660K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,032
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,313
−HK$286/mo
Today · 4.125%
HK$9,599
baseline
▲ 0.50% · 4.625%
HK$10,183
+HK$584/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$19,198/mo (50% DSR)
Upfront cash ≈ HK$220K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,048
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,318
−HK$273/mo
Today · 4.125%
HK$10,591
baseline
▲ 0.50% · 4.625%
HK$11,150
+HK$559/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$21,182/mo (50% DSR)
Upfront cash ≈ HK$220K (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).