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$5,109
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,268
−HK$161/mo
Today · 4.125%
HK$5,429
baseline
▲ 0.50% · 4.625%
HK$5,760
+HK$331/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,858/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$5,684
−HK$307/mo
▼ 0.25% · 3.875%
HK$5,836
−HK$155/mo
Today · 4.125%
HK$5,991
baseline
▲ 0.50% · 4.625%
HK$6,307
+HK$316/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,982/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$6,131
−HK$384/mo
▼ 0.25% · 3.875%
HK$6,321
−HK$194/mo
Today · 4.125%
HK$6,515
baseline
▲ 0.50% · 4.625%
HK$6,912
+HK$397/mo
Deposit HK$896K · loan HK$1.34M · min. income ≈ HK$13,030/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$6,820
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,003
−HK$186/mo
Today · 4.125%
HK$7,189
baseline
▲ 0.50% · 4.625%
HK$7,568
+HK$379/mo
Deposit HK$896K · loan HK$1.34M · min. income ≈ HK$14,378/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$7,153
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,375
−HK$226/mo
Today · 4.125%
HK$7,601
baseline
▲ 0.50% · 4.625%
HK$8,064
+HK$463/mo
Deposit HK$672K · loan HK$1.57M · min. income ≈ HK$15,202/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$7,957
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,171
−HK$216/mo
Today · 4.125%
HK$8,387
baseline
▲ 0.50% · 4.625%
HK$8,829
+HK$442/mo
Deposit HK$672K · loan HK$1.57M · min. income ≈ HK$16,774/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$9,196
−HK$577/mo
▼ 0.25% · 3.875%
HK$9,482
−HK$291/mo
Today · 4.125%
HK$9,773
baseline
▲ 0.50% · 4.625%
HK$10,368
+HK$595/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$19,546/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$10,231
−HK$552/mo
▼ 0.25% · 3.875%
HK$10,505
−HK$278/mo
Today · 4.125%
HK$10,783
baseline
▲ 0.50% · 4.625%
HK$11,352
+HK$569/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$21,566/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).