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$5,025
−HK$315/mo
▼ 0.25% · 3.875%
HK$5,182
−HK$158/mo
Today · 4.125%
HK$5,340
baseline
▲ 0.50% · 4.625%
HK$5,665
+HK$325/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,680/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$5,591
−HK$302/mo
▼ 0.25% · 3.875%
HK$5,741
−HK$152/mo
Today · 4.125%
HK$5,893
baseline
▲ 0.50% · 4.625%
HK$6,203
+HK$310/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,786/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$6,030
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,218
−HK$191/mo
Today · 4.125%
HK$6,409
baseline
▲ 0.50% · 4.625%
HK$6,798
+HK$389/mo
Deposit HK$882K · loan HK$1.32M · min. income ≈ HK$12,818/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,709
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,889
−HK$182/mo
Today · 4.125%
HK$7,071
baseline
▲ 0.50% · 4.625%
HK$7,444
+HK$373/mo
Deposit HK$882K · loan HK$1.32M · min. income ≈ HK$14,142/mo (50% DSR)
Upfront cash ≈ HK$882K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,035
−HK$442/mo
▼ 0.25% · 3.875%
HK$7,254
−HK$223/mo
Today · 4.125%
HK$7,477
baseline
▲ 0.50% · 4.625%
HK$7,932
+HK$455/mo
Deposit HK$661K · loan HK$1.54M · min. income ≈ HK$14,954/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,827
−HK$423/mo
▼ 0.25% · 3.875%
HK$8,037
−HK$213/mo
Today · 4.125%
HK$8,250
baseline
▲ 0.50% · 4.625%
HK$8,685
+HK$435/mo
Deposit HK$661K · loan HK$1.54M · min. income ≈ HK$16,500/mo (50% DSR)
Upfront cash ≈ HK$661K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,046
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,327
−HK$286/mo
Today · 4.125%
HK$9,613
baseline
▲ 0.50% · 4.625%
HK$10,198
+HK$585/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$19,226/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$10,063
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,333
−HK$274/mo
Today · 4.125%
HK$10,607
baseline
▲ 0.50% · 4.625%
HK$11,166
+HK$559/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$21,214/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).