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$5,132
−HK$322/mo
▼ 0.25% · 3.875%
HK$5,291
−HK$163/mo
Today · 4.125%
HK$5,454
baseline
▲ 0.50% · 4.625%
HK$5,785
+HK$331/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,908/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,709
−HK$308/mo
▼ 0.25% · 3.875%
HK$5,862
−HK$155/mo
Today · 4.125%
HK$6,017
baseline
▲ 0.50% · 4.625%
HK$6,335
+HK$318/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,034/mo (50% DSR)
Upfront cash ≈ HK$1.13M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,158
−HK$386/mo
▼ 0.25% · 3.875%
HK$6,350
−HK$194/mo
Today · 4.125%
HK$6,544
baseline
▲ 0.50% · 4.625%
HK$6,943
+HK$399/mo
Deposit HK$900K · loan HK$1.35M · min. income ≈ HK$13,088/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$6,851
−HK$370/mo
▼ 0.25% · 3.875%
HK$7,035
−HK$186/mo
Today · 4.125%
HK$7,221
baseline
▲ 0.50% · 4.625%
HK$7,602
+HK$381/mo
Deposit HK$900K · loan HK$1.35M · min. income ≈ HK$14,442/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$7,184
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,408
−HK$227/mo
Today · 4.125%
HK$7,635
baseline
▲ 0.50% · 4.625%
HK$8,100
+HK$465/mo
Deposit HK$675K · loan HK$1.58M · min. income ≈ HK$15,270/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$7,993
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,207
−HK$217/mo
Today · 4.125%
HK$8,424
baseline
▲ 0.50% · 4.625%
HK$8,869
+HK$445/mo
Deposit HK$675K · loan HK$1.58M · min. income ≈ HK$16,848/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$9,237
−HK$579/mo
▼ 0.25% · 3.875%
HK$9,525
−HK$291/mo
Today · 4.125%
HK$9,816
baseline
▲ 0.50% · 4.625%
HK$10,414
+HK$598/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$19,632/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$10,276
−HK$555/mo
▼ 0.25% · 3.875%
HK$10,552
−HK$279/mo
Today · 4.125%
HK$10,831
baseline
▲ 0.50% · 4.625%
HK$11,402
+HK$571/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$21,662/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).