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$5,061
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,218
−HK$160/mo
Today · 4.125%
HK$5,378
baseline
▲ 0.50% · 4.625%
HK$5,706
+HK$328/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,756/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$5,630
−HK$305/mo
▼ 0.25% · 3.875%
HK$5,781
−HK$154/mo
Today · 4.125%
HK$5,935
baseline
▲ 0.50% · 4.625%
HK$6,247
+HK$312/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,870/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$6,073
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,262
−HK$192/mo
Today · 4.125%
HK$6,454
baseline
▲ 0.50% · 4.625%
HK$6,847
+HK$393/mo
Deposit HK$888K · loan HK$1.33M · min. income ≈ HK$12,908/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,756
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,938
−HK$183/mo
Today · 4.125%
HK$7,121
baseline
▲ 0.50% · 4.625%
HK$7,497
+HK$376/mo
Deposit HK$888K · loan HK$1.33M · min. income ≈ HK$14,242/mo (50% DSR)
Upfront cash ≈ HK$888K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,085
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,306
−HK$224/mo
Today · 4.125%
HK$7,530
baseline
▲ 0.50% · 4.625%
HK$7,988
+HK$458/mo
Deposit HK$666K · loan HK$1.55M · min. income ≈ HK$15,060/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,883
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,094
−HK$214/mo
Today · 4.125%
HK$8,308
baseline
▲ 0.50% · 4.625%
HK$8,746
+HK$438/mo
Deposit HK$666K · loan HK$1.55M · min. income ≈ HK$16,616/mo (50% DSR)
Upfront cash ≈ HK$666K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,110
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,393
−HK$288/mo
Today · 4.125%
HK$9,681
baseline
▲ 0.50% · 4.625%
HK$10,270
+HK$589/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$19,362/mo (50% DSR)
Upfront cash ≈ HK$222K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,135
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,406
−HK$276/mo
Today · 4.125%
HK$10,682
baseline
▲ 0.50% · 4.625%
HK$11,245
+HK$563/mo
Deposit HK$222K · loan HK$2.00M · min. income ≈ HK$21,364/mo (50% DSR)
Upfront cash ≈ HK$222K (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).