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$5,079
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,237
−HK$161/mo
Today · 4.125%
HK$5,398
baseline
▲ 0.50% · 4.625%
HK$5,726
+HK$328/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,796/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$5,650
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,802
−HK$154/mo
Today · 4.125%
HK$5,956
baseline
▲ 0.50% · 4.625%
HK$6,270
+HK$314/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,912/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$6,095
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,285
−HK$192/mo
Today · 4.125%
HK$6,477
baseline
▲ 0.50% · 4.625%
HK$6,871
+HK$394/mo
Deposit HK$891K · loan HK$1.34M · min. income ≈ HK$12,954/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$6,781
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,962
−HK$185/mo
Today · 4.125%
HK$7,147
baseline
▲ 0.50% · 4.625%
HK$7,524
+HK$377/mo
Deposit HK$891K · loan HK$1.34M · min. income ≈ HK$14,294/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$7,111
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,332
−HK$225/mo
Today · 4.125%
HK$7,557
baseline
▲ 0.50% · 4.625%
HK$8,017
+HK$460/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$15,114/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$7,911
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,123
−HK$215/mo
Today · 4.125%
HK$8,338
baseline
▲ 0.50% · 4.625%
HK$8,778
+HK$440/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$16,676/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$9,142
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,427
−HK$289/mo
Today · 4.125%
HK$9,716
baseline
▲ 0.50% · 4.625%
HK$10,307
+HK$591/mo
Deposit HK$223K · loan HK$2.00M · min. income ≈ HK$19,432/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$10,171
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,444
−HK$276/mo
Today · 4.125%
HK$10,720
baseline
▲ 0.50% · 4.625%
HK$11,285
+HK$565/mo
Deposit HK$223K · loan HK$2.00M · min. income ≈ HK$21,440/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).