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$5,096
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,254
−HK$161/mo
Today · 4.125%
HK$5,415
baseline
▲ 0.50% · 4.625%
HK$5,745
+HK$330/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,830/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$5,669
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,821
−HK$154/mo
Today · 4.125%
HK$5,975
baseline
▲ 0.50% · 4.625%
HK$6,290
+HK$315/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,950/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$6,115
−HK$383/mo
▼ 0.25% · 3.875%
HK$6,305
−HK$193/mo
Today · 4.125%
HK$6,498
baseline
▲ 0.50% · 4.625%
HK$6,894
+HK$396/mo
Deposit HK$894K · loan HK$1.34M · min. income ≈ HK$12,996/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,803
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,985
−HK$185/mo
Today · 4.125%
HK$7,170
baseline
▲ 0.50% · 4.625%
HK$7,548
+HK$378/mo
Deposit HK$894K · loan HK$1.34M · min. income ≈ HK$14,340/mo (50% DSR)
Upfront cash ≈ HK$894K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,134
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,356
−HK$226/mo
Today · 4.125%
HK$7,582
baseline
▲ 0.50% · 4.625%
HK$8,043
+HK$461/mo
Deposit HK$670K · loan HK$1.56M · min. income ≈ HK$15,164/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,937
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,150
−HK$215/mo
Today · 4.125%
HK$8,365
baseline
▲ 0.50% · 4.625%
HK$8,806
+HK$441/mo
Deposit HK$670K · loan HK$1.56M · min. income ≈ HK$16,730/mo (50% DSR)
Upfront cash ≈ HK$671K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,173
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,458
−HK$290/mo
Today · 4.125%
HK$9,748
baseline
▲ 0.50% · 4.625%
HK$10,341
+HK$593/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$19,496/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$10,204
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,478
−HK$278/mo
Today · 4.125%
HK$10,756
baseline
▲ 0.50% · 4.625%
HK$11,323
+HK$567/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$21,512/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).