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$5,105
−HK$320/mo
▼ 0.25% · 3.875%
HK$5,264
−HK$161/mo
Today · 4.125%
HK$5,425
baseline
▲ 0.50% · 4.625%
HK$5,756
+HK$331/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$10,850/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$5,680
−HK$306/mo
▼ 0.25% · 3.875%
HK$5,832
−HK$154/mo
Today · 4.125%
HK$5,986
baseline
▲ 0.50% · 4.625%
HK$6,302
+HK$316/mo
Deposit HK$1.12M · loan HK$1.12M · min. income ≈ HK$11,972/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$6,126
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,317
−HK$194/mo
Today · 4.125%
HK$6,511
baseline
▲ 0.50% · 4.625%
HK$6,907
+HK$396/mo
Deposit HK$896K · loan HK$1.34M · min. income ≈ HK$13,022/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,816
−HK$368/mo
▼ 0.25% · 3.875%
HK$6,998
−HK$186/mo
Today · 4.125%
HK$7,184
baseline
▲ 0.50% · 4.625%
HK$7,562
+HK$378/mo
Deposit HK$896K · loan HK$1.34M · min. income ≈ HK$14,368/mo (50% DSR)
Upfront cash ≈ HK$896K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,147
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,370
−HK$226/mo
Today · 4.125%
HK$7,596
baseline
▲ 0.50% · 4.625%
HK$8,058
+HK$462/mo
Deposit HK$672K · loan HK$1.57M · min. income ≈ HK$15,192/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,951
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,165
−HK$216/mo
Today · 4.125%
HK$8,381
baseline
▲ 0.50% · 4.625%
HK$8,823
+HK$442/mo
Deposit HK$672K · loan HK$1.57M · min. income ≈ HK$16,762/mo (50% DSR)
Upfront cash ≈ HK$672K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,190
−HK$576/mo
▼ 0.25% · 3.875%
HK$9,475
−HK$291/mo
Today · 4.125%
HK$9,766
baseline
▲ 0.50% · 4.625%
HK$10,360
+HK$594/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$19,532/mo (50% DSR)
Upfront cash ≈ HK$224K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,223
−HK$553/mo
▼ 0.25% · 3.875%
HK$10,498
−HK$278/mo
Today · 4.125%
HK$10,776
baseline
▲ 0.50% · 4.625%
HK$11,344
+HK$568/mo
Deposit HK$224K · loan HK$2.02M · min. income ≈ HK$21,552/mo (50% DSR)
Upfront cash ≈ HK$224K (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).