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$5,083
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,241
−HK$161/mo
Today · 4.125%
HK$5,402
baseline
▲ 0.50% · 4.625%
HK$5,730
+HK$328/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,804/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$5,655
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,806
−HK$154/mo
Today · 4.125%
HK$5,960
baseline
▲ 0.50% · 4.625%
HK$6,275
+HK$315/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,920/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$6,100
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,289
−HK$193/mo
Today · 4.125%
HK$6,482
baseline
▲ 0.50% · 4.625%
HK$6,877
+HK$395/mo
Deposit HK$892K · loan HK$1.34M · min. income ≈ HK$12,964/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,786
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,968
−HK$184/mo
Today · 4.125%
HK$7,152
baseline
▲ 0.50% · 4.625%
HK$7,529
+HK$377/mo
Deposit HK$892K · loan HK$1.34M · min. income ≈ HK$14,304/mo (50% DSR)
Upfront cash ≈ HK$892K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,116
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,338
−HK$225/mo
Today · 4.125%
HK$7,563
baseline
▲ 0.50% · 4.625%
HK$8,023
+HK$460/mo
Deposit HK$669K · loan HK$1.56M · min. income ≈ HK$15,126/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,917
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,129
−HK$215/mo
Today · 4.125%
HK$8,344
baseline
▲ 0.50% · 4.625%
HK$8,784
+HK$440/mo
Deposit HK$669K · loan HK$1.56M · min. income ≈ HK$16,688/mo (50% DSR)
Upfront cash ≈ HK$669K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,149
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,434
−HK$289/mo
Today · 4.125%
HK$9,723
baseline
▲ 0.50% · 4.625%
HK$10,315
+HK$592/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$19,446/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$10,179
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,452
−HK$277/mo
Today · 4.125%
HK$10,729
baseline
▲ 0.50% · 4.625%
HK$11,294
+HK$565/mo
Deposit HK$223K · loan HK$2.01M · min. income ≈ HK$21,458/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).