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$5,692
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,869
−HK$180/mo
Today · 4.125%
HK$6,049
baseline
▲ 0.50% · 4.625%
HK$6,417
+HK$368/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,098/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$6,332
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,502
−HK$172/mo
Today · 4.125%
HK$6,674
baseline
▲ 0.50% · 4.625%
HK$7,026
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,348/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$6,830
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,042
−HK$216/mo
Today · 4.125%
HK$7,258
baseline
▲ 0.50% · 4.625%
HK$7,700
+HK$442/mo
Deposit HK$998K · loan HK$1.50M · min. income ≈ HK$14,516/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,598
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,802
−HK$207/mo
Today · 4.125%
HK$8,009
baseline
▲ 0.50% · 4.625%
HK$8,431
+HK$422/mo
Deposit HK$998K · loan HK$1.50M · min. income ≈ HK$16,018/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,968
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,216
−HK$252/mo
Today · 4.125%
HK$8,468
baseline
▲ 0.50% · 4.625%
HK$8,983
+HK$515/mo
Deposit HK$749K · loan HK$1.75M · min. income ≈ HK$16,936/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,865
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,102
−HK$242/mo
Today · 4.125%
HK$9,344
baseline
▲ 0.50% · 4.625%
HK$9,836
+HK$492/mo
Deposit HK$749K · loan HK$1.75M · min. income ≈ HK$18,688/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,245
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,564
−HK$323/mo
Today · 4.125%
HK$10,887
baseline
▲ 0.50% · 4.625%
HK$11,550
+HK$663/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,774/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$11,398
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,703
−HK$310/mo
Today · 4.125%
HK$12,013
baseline
▲ 0.50% · 4.625%
HK$12,647
+HK$634/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,026/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).