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$5,688
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,865
−HK$180/mo
Today · 4.125%
HK$6,045
baseline
▲ 0.50% · 4.625%
HK$6,412
+HK$367/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,090/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,328
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,497
−HK$173/mo
Today · 4.125%
HK$6,670
baseline
▲ 0.50% · 4.625%
HK$7,021
+HK$351/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,340/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,826
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,038
−HK$216/mo
Today · 4.125%
HK$7,254
baseline
▲ 0.50% · 4.625%
HK$7,695
+HK$441/mo
Deposit HK$998K · loan HK$1.50M · min. income ≈ HK$14,508/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,593
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,797
−HK$207/mo
Today · 4.125%
HK$8,004
baseline
▲ 0.50% · 4.625%
HK$8,425
+HK$421/mo
Deposit HK$998K · loan HK$1.50M · min. income ≈ HK$16,008/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,963
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,211
−HK$251/mo
Today · 4.125%
HK$8,462
baseline
▲ 0.50% · 4.625%
HK$8,977
+HK$515/mo
Deposit HK$748K · loan HK$1.75M · min. income ≈ HK$16,924/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,859
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,096
−HK$242/mo
Today · 4.125%
HK$9,338
baseline
▲ 0.50% · 4.625%
HK$9,830
+HK$492/mo
Deposit HK$748K · loan HK$1.75M · min. income ≈ HK$18,676/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,238
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,557
−HK$323/mo
Today · 4.125%
HK$10,880
baseline
▲ 0.50% · 4.625%
HK$11,542
+HK$662/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,760/mo (50% DSR)
Upfront cash ≈ HK$250K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,390
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,695
−HK$310/mo
Today · 4.125%
HK$12,005
baseline
▲ 0.50% · 4.625%
HK$12,638
+HK$633/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$24,010/mo (50% DSR)
Upfront cash ≈ HK$250K (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).