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$5,110
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,269
−HK$161/mo
Today · 4.125%
HK$5,430
baseline
▲ 0.50% · 4.625%
HK$5,761
+HK$331/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,860/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$5,685
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,837
−HK$155/mo
Today · 4.125%
HK$5,992
baseline
▲ 0.50% · 4.625%
HK$6,308
+HK$316/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,984/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$6,132
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,323
−HK$193/mo
Today · 4.125%
HK$6,516
baseline
▲ 0.50% · 4.625%
HK$6,913
+HK$397/mo
Deposit HK$896K · loan HK$1.34M · min. income ≈ HK$13,032/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,822
−HK$368/mo
▼ 0.25% · 3.875%
HK$7,005
−HK$185/mo
Today · 4.125%
HK$7,190
baseline
▲ 0.50% · 4.625%
HK$7,569
+HK$379/mo
Deposit HK$896K · loan HK$1.34M · min. income ≈ HK$14,380/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,154
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,376
−HK$226/mo
Today · 4.125%
HK$7,602
baseline
▲ 0.50% · 4.625%
HK$8,065
+HK$463/mo
Deposit HK$672K · loan HK$1.57M · min. income ≈ HK$15,204/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,958
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,172
−HK$216/mo
Today · 4.125%
HK$8,388
baseline
▲ 0.50% · 4.625%
HK$8,831
+HK$443/mo
Deposit HK$672K · loan HK$1.57M · min. income ≈ HK$16,776/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,198
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,484
−HK$290/mo
Today · 4.125%
HK$9,774
baseline
▲ 0.50% · 4.625%
HK$10,369
+HK$595/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$19,548/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$10,232
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,507
−HK$278/mo
Today · 4.125%
HK$10,785
baseline
▲ 0.50% · 4.625%
HK$11,354
+HK$569/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$21,570/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).