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$5,128
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,288
−HK$162/mo
Today · 4.125%
HK$5,450
baseline
▲ 0.50% · 4.625%
HK$5,782
+HK$332/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,900/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$5,705
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,858
−HK$155/mo
Today · 4.125%
HK$6,013
baseline
▲ 0.50% · 4.625%
HK$6,330
+HK$317/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$12,026/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$6,154
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,345
−HK$195/mo
Today · 4.125%
HK$6,540
baseline
▲ 0.50% · 4.625%
HK$6,938
+HK$398/mo
Deposit HK$900K · loan HK$1.35M · min. income ≈ HK$13,080/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,846
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,030
−HK$186/mo
Today · 4.125%
HK$7,216
baseline
▲ 0.50% · 4.625%
HK$7,597
+HK$381/mo
Deposit HK$900K · loan HK$1.35M · min. income ≈ HK$14,432/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,180
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,403
−HK$227/mo
Today · 4.125%
HK$7,630
baseline
▲ 0.50% · 4.625%
HK$8,094
+HK$464/mo
Deposit HK$675K · loan HK$1.57M · min. income ≈ HK$15,260/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,987
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,202
−HK$217/mo
Today · 4.125%
HK$8,419
baseline
▲ 0.50% · 4.625%
HK$8,863
+HK$444/mo
Deposit HK$675K · loan HK$1.57M · min. income ≈ HK$16,838/mo (50% DSR)
Upfront cash ≈ HK$675K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,231
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,518
−HK$292/mo
Today · 4.125%
HK$9,810
baseline
▲ 0.50% · 4.625%
HK$10,407
+HK$597/mo
Deposit HK$225K · loan HK$2.02M · min. income ≈ HK$19,620/mo (50% DSR)
Upfront cash ≈ HK$225K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,269
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,545
−HK$279/mo
Today · 4.125%
HK$10,824
baseline
▲ 0.50% · 4.625%
HK$11,395
+HK$571/mo
Deposit HK$225K · loan HK$2.02M · min. income ≈ HK$21,648/mo (50% DSR)
Upfront cash ≈ HK$225K (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).