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$5,078
−HK$319/mo
▼ 0.25% · 3.875%
HK$5,236
−HK$161/mo
Today · 4.125%
HK$5,397
baseline
▲ 0.50% · 4.625%
HK$5,725
+HK$328/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,794/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$5,650
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,801
−HK$154/mo
Today · 4.125%
HK$5,955
baseline
▲ 0.50% · 4.625%
HK$6,269
+HK$314/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,910/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$6,094
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,284
−HK$192/mo
Today · 4.125%
HK$6,476
baseline
▲ 0.50% · 4.625%
HK$6,870
+HK$394/mo
Deposit HK$891K · loan HK$1.34M · min. income ≈ HK$12,952/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,780
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,961
−HK$185/mo
Today · 4.125%
HK$7,146
baseline
▲ 0.50% · 4.625%
HK$7,522
+HK$376/mo
Deposit HK$891K · loan HK$1.34M · min. income ≈ HK$14,292/mo (50% DSR)
Upfront cash ≈ HK$891K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,110
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,331
−HK$224/mo
Today · 4.125%
HK$7,555
baseline
▲ 0.50% · 4.625%
HK$8,015
+HK$460/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$15,110/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,909
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,122
−HK$215/mo
Today · 4.125%
HK$8,337
baseline
▲ 0.50% · 4.625%
HK$8,776
+HK$439/mo
Deposit HK$668K · loan HK$1.56M · min. income ≈ HK$16,674/mo (50% DSR)
Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,141
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,425
−HK$289/mo
Today · 4.125%
HK$9,714
baseline
▲ 0.50% · 4.625%
HK$10,305
+HK$591/mo
Deposit HK$223K · loan HK$2.00M · min. income ≈ HK$19,428/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$10,169
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,442
−HK$277/mo
Today · 4.125%
HK$10,719
baseline
▲ 0.50% · 4.625%
HK$11,284
+HK$565/mo
Deposit HK$223K · loan HK$2.00M · min. income ≈ HK$21,438/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).