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$5,007
−HK$314/mo
▼ 0.25% · 3.875%
HK$5,163
−HK$158/mo
Today · 4.125%
HK$5,321
baseline
▲ 0.50% · 4.625%
HK$5,645
+HK$324/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,642/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,570
−HK$301/mo
▼ 0.25% · 3.875%
HK$5,719
−HK$152/mo
Today · 4.125%
HK$5,871
baseline
▲ 0.50% · 4.625%
HK$6,180
+HK$309/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,742/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,008
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,195
−HK$190/mo
Today · 4.125%
HK$6,385
baseline
▲ 0.50% · 4.625%
HK$6,774
+HK$389/mo
Deposit HK$878K · loan HK$1.32M · min. income ≈ HK$12,770/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,684
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,863
−HK$182/mo
Today · 4.125%
HK$7,045
baseline
▲ 0.50% · 4.625%
HK$7,417
+HK$372/mo
Deposit HK$878K · loan HK$1.32M · min. income ≈ HK$14,090/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,010
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,228
−HK$221/mo
Today · 4.125%
HK$7,449
baseline
▲ 0.50% · 4.625%
HK$7,902
+HK$453/mo
Deposit HK$659K · loan HK$1.54M · min. income ≈ HK$14,898/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,798
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,007
−HK$212/mo
Today · 4.125%
HK$8,219
baseline
▲ 0.50% · 4.625%
HK$8,653
+HK$434/mo
Deposit HK$659K · loan HK$1.54M · min. income ≈ HK$16,438/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,012
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,293
−HK$284/mo
Today · 4.125%
HK$9,577
baseline
▲ 0.50% · 4.625%
HK$10,160
+HK$583/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$19,154/mo (50% DSR)
Upfront cash ≈ HK$220K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,026
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,295
−HK$273/mo
Today · 4.125%
HK$10,568
baseline
▲ 0.50% · 4.625%
HK$11,125
+HK$557/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$21,136/mo (50% DSR)
Upfront cash ≈ HK$220K (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).