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$5,050
−HK$317/mo
▼ 0.25% · 3.875%
HK$5,208
−HK$159/mo
Today · 4.125%
HK$5,367
baseline
▲ 0.50% · 4.625%
HK$5,694
+HK$327/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$10,734/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$5,619
−HK$303/mo
▼ 0.25% · 3.875%
HK$5,769
−HK$153/mo
Today · 4.125%
HK$5,922
baseline
▲ 0.50% · 4.625%
HK$6,234
+HK$312/mo
Deposit HK$1.11M · loan HK$1.11M · min. income ≈ HK$11,844/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$6,061
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,249
−HK$192/mo
Today · 4.125%
HK$6,441
baseline
▲ 0.50% · 4.625%
HK$6,832
+HK$391/mo
Deposit HK$886K · loan HK$1.33M · min. income ≈ HK$12,882/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,742
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,923
−HK$184/mo
Today · 4.125%
HK$7,107
baseline
▲ 0.50% · 4.625%
HK$7,481
+HK$374/mo
Deposit HK$886K · loan HK$1.33M · min. income ≈ HK$14,214/mo (50% DSR)
Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,071
−HK$443/mo
▼ 0.25% · 3.875%
HK$7,291
−HK$223/mo
Today · 4.125%
HK$7,514
baseline
▲ 0.50% · 4.625%
HK$7,971
+HK$457/mo
Deposit HK$664K · loan HK$1.55M · min. income ≈ HK$15,028/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,866
−HK$425/mo
▼ 0.25% · 3.875%
HK$8,077
−HK$214/mo
Today · 4.125%
HK$8,291
baseline
▲ 0.50% · 4.625%
HK$8,728
+HK$437/mo
Deposit HK$664K · loan HK$1.55M · min. income ≈ HK$16,582/mo (50% DSR)
Upfront cash ≈ HK$665K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,091
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,374
−HK$287/mo
Today · 4.125%
HK$9,661
baseline
▲ 0.50% · 4.625%
HK$10,249
+HK$588/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$19,322/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$10,113
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,385
−HK$275/mo
Today · 4.125%
HK$10,660
baseline
▲ 0.50% · 4.625%
HK$11,222
+HK$562/mo
Deposit HK$221K · loan HK$1.99M · min. income ≈ HK$21,320/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).