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$5,044
−HK$316/mo
▼ 0.25% · 3.875%
HK$5,201
−HK$159/mo
Today · 4.125%
HK$5,360
baseline
▲ 0.50% · 4.625%
HK$5,687
+HK$327/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,720/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$5,612
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,762
−HK$153/mo
Today · 4.125%
HK$5,915
baseline
▲ 0.50% · 4.625%
HK$6,227
+HK$312/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,830/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$6,053
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,241
−HK$192/mo
Today · 4.125%
HK$6,433
baseline
▲ 0.50% · 4.625%
HK$6,824
+HK$391/mo
Deposit HK$885K · loan HK$1.33M · min. income ≈ HK$12,866/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,734
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,915
−HK$183/mo
Today · 4.125%
HK$7,098
baseline
▲ 0.50% · 4.625%
HK$7,472
+HK$374/mo
Deposit HK$885K · loan HK$1.33M · min. income ≈ HK$14,196/mo (50% DSR)
Upfront cash ≈ HK$885K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,062
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,281
−HK$224/mo
Today · 4.125%
HK$7,505
baseline
▲ 0.50% · 4.625%
HK$7,961
+HK$456/mo
Deposit HK$664K · loan HK$1.55M · min. income ≈ HK$15,010/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,856
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,067
−HK$214/mo
Today · 4.125%
HK$8,281
baseline
▲ 0.50% · 4.625%
HK$8,717
+HK$436/mo
Deposit HK$664K · loan HK$1.55M · min. income ≈ HK$16,562/mo (50% DSR)
Upfront cash ≈ HK$664K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,080
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,362
−HK$287/mo
Today · 4.125%
HK$9,649
baseline
▲ 0.50% · 4.625%
HK$10,236
+HK$587/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,298/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$10,101
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,372
−HK$275/mo
Today · 4.125%
HK$10,647
baseline
▲ 0.50% · 4.625%
HK$11,208
+HK$561/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,294/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).