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$5,006
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,161
−HK$158/mo
Today · 4.125%
HK$5,319
baseline
▲ 0.50% · 4.625%
HK$5,643
+HK$324/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$10,638/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$5,569
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,718
−HK$151/mo
Today · 4.125%
HK$5,869
baseline
▲ 0.50% · 4.625%
HK$6,179
+HK$310/mo
Deposit HK$1.10M · loan HK$1.10M · min. income ≈ HK$11,738/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$6,007
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,193
−HK$190/mo
Today · 4.125%
HK$6,383
baseline
▲ 0.50% · 4.625%
HK$6,772
+HK$389/mo
Deposit HK$878K · loan HK$1.32M · min. income ≈ HK$12,766/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,682
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,862
−HK$181/mo
Today · 4.125%
HK$7,043
baseline
▲ 0.50% · 4.625%
HK$7,415
+HK$372/mo
Deposit HK$878K · loan HK$1.32M · min. income ≈ HK$14,086/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,008
−HK$439/mo
▼ 0.25% · 3.875%
HK$7,226
−HK$221/mo
Today · 4.125%
HK$7,447
baseline
▲ 0.50% · 4.625%
HK$7,900
+HK$453/mo
Deposit HK$659K · loan HK$1.54M · min. income ≈ HK$14,894/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,796
−HK$421/mo
▼ 0.25% · 3.875%
HK$8,005
−HK$212/mo
Today · 4.125%
HK$8,217
baseline
▲ 0.50% · 4.625%
HK$8,650
+HK$433/mo
Deposit HK$659K · loan HK$1.54M · min. income ≈ HK$16,434/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,010
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,290
−HK$285/mo
Today · 4.125%
HK$9,575
baseline
▲ 0.50% · 4.625%
HK$10,158
+HK$583/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$19,150/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$10,023
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,292
−HK$273/mo
Today · 4.125%
HK$10,565
baseline
▲ 0.50% · 4.625%
HK$11,122
+HK$557/mo
Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$21,130/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).