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$5,073
−HK$318/mo
▼ 0.25% · 3.875%
HK$5,230
−HK$161/mo
Today · 4.125%
HK$5,391
baseline
▲ 0.50% · 4.625%
HK$5,719
+HK$328/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,782/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$5,643
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,795
−HK$153/mo
Today · 4.125%
HK$5,948
baseline
▲ 0.50% · 4.625%
HK$6,262
+HK$314/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,896/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$6,087
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,276
−HK$193/mo
Today · 4.125%
HK$6,469
baseline
▲ 0.50% · 4.625%
HK$6,862
+HK$393/mo
Deposit HK$890K · loan HK$1.33M · min. income ≈ HK$12,938/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,772
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,953
−HK$185/mo
Today · 4.125%
HK$7,138
baseline
▲ 0.50% · 4.625%
HK$7,514
+HK$376/mo
Deposit HK$890K · loan HK$1.33M · min. income ≈ HK$14,276/mo (50% DSR)
Upfront cash ≈ HK$890K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,102
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,323
−HK$224/mo
Today · 4.125%
HK$7,547
baseline
▲ 0.50% · 4.625%
HK$8,006
+HK$459/mo
Deposit HK$667K · loan HK$1.56M · min. income ≈ HK$15,094/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,901
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,112
−HK$215/mo
Today · 4.125%
HK$8,327
baseline
▲ 0.50% · 4.625%
HK$8,766
+HK$439/mo
Deposit HK$667K · loan HK$1.56M · min. income ≈ HK$16,654/mo (50% DSR)
Upfront cash ≈ HK$667K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,131
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,415
−HK$288/mo
Today · 4.125%
HK$9,703
baseline
▲ 0.50% · 4.625%
HK$10,294
+HK$591/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,406/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$10,158
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,430
−HK$277/mo
Today · 4.125%
HK$10,707
baseline
▲ 0.50% · 4.625%
HK$11,271
+HK$564/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,414/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).