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$5,026
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,182
−HK$159/mo
Today · 4.125%
HK$5,341
baseline
▲ 0.50% · 4.625%
HK$5,666
+HK$325/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,682/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$5,591
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,741
−HK$153/mo
Today · 4.125%
HK$5,894
baseline
▲ 0.50% · 4.625%
HK$6,204
+HK$310/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,788/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$6,031
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,219
−HK$190/mo
Today · 4.125%
HK$6,409
baseline
▲ 0.50% · 4.625%
HK$6,799
+HK$390/mo
Deposit HK$882K · loan HK$1.32M · min. income ≈ HK$12,818/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,710
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,890
−HK$182/mo
Today · 4.125%
HK$7,072
baseline
▲ 0.50% · 4.625%
HK$7,445
+HK$373/mo
Deposit HK$882K · loan HK$1.32M · min. income ≈ HK$14,144/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,036
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,255
−HK$223/mo
Today · 4.125%
HK$7,478
baseline
▲ 0.50% · 4.625%
HK$7,933
+HK$455/mo
Deposit HK$661K · loan HK$1.54M · min. income ≈ HK$14,956/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,828
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,038
−HK$213/mo
Today · 4.125%
HK$8,251
baseline
▲ 0.50% · 4.625%
HK$8,686
+HK$435/mo
Deposit HK$661K · loan HK$1.54M · min. income ≈ HK$16,502/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,047
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,328
−HK$286/mo
Today · 4.125%
HK$9,614
baseline
▲ 0.50% · 4.625%
HK$10,199
+HK$585/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$19,228/mo (50% DSR)
Upfront cash ≈ HK$221K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,065
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,335
−HK$273/mo
Today · 4.125%
HK$10,608
baseline
▲ 0.50% · 4.625%
HK$11,168
+HK$560/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$21,216/mo (50% DSR)
Upfront cash ≈ HK$221K (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).