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$5,140
−HK$323/mo
▼ 0.25% · 3.875%
HK$5,300
−HK$163/mo
Today · 4.125%
HK$5,463
baseline
▲ 0.50% · 4.625%
HK$5,795
+HK$332/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$10,926/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$5,718
−HK$309/mo
▼ 0.25% · 3.875%
HK$5,872
−HK$155/mo
Today · 4.125%
HK$6,027
baseline
▲ 0.50% · 4.625%
HK$6,345
+HK$318/mo
Deposit HK$1.13M · loan HK$1.13M · min. income ≈ HK$12,054/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$6,168
−HK$387/mo
▼ 0.25% · 3.875%
HK$6,360
−HK$195/mo
Today · 4.125%
HK$6,555
baseline
▲ 0.50% · 4.625%
HK$6,954
+HK$399/mo
Deposit HK$902K · loan HK$1.35M · min. income ≈ HK$13,110/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,862
−HK$371/mo
▼ 0.25% · 3.875%
HK$7,046
−HK$187/mo
Today · 4.125%
HK$7,233
baseline
▲ 0.50% · 4.625%
HK$7,614
+HK$381/mo
Deposit HK$902K · loan HK$1.35M · min. income ≈ HK$14,466/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,196
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,420
−HK$228/mo
Today · 4.125%
HK$7,648
baseline
▲ 0.50% · 4.625%
HK$8,113
+HK$465/mo
Deposit HK$676K · loan HK$1.58M · min. income ≈ HK$15,296/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,006
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,221
−HK$217/mo
Today · 4.125%
HK$8,438
baseline
▲ 0.50% · 4.625%
HK$8,883
+HK$445/mo
Deposit HK$676K · loan HK$1.58M · min. income ≈ HK$16,876/mo (50% DSR)
Upfront cash ≈ HK$676K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,252
−HK$581/mo
▼ 0.25% · 3.875%
HK$9,540
−HK$293/mo
Today · 4.125%
HK$9,833
baseline
▲ 0.50% · 4.625%
HK$10,431
+HK$598/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$19,666/mo (50% DSR)
Upfront cash ≈ HK$226K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,293
−HK$556/mo
▼ 0.25% · 3.875%
HK$10,569
−HK$280/mo
Today · 4.125%
HK$10,849
baseline
▲ 0.50% · 4.625%
HK$11,421
+HK$572/mo
Deposit HK$225K · loan HK$2.03M · min. income ≈ HK$21,698/mo (50% DSR)
Upfront cash ≈ HK$226K (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).