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$5,685
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,862
−HK$180/mo
Today · 4.125%
HK$6,042
baseline
▲ 0.50% · 4.625%
HK$6,410
+HK$368/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,084/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$6,325
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,495
−HK$172/mo
Today · 4.125%
HK$6,667
baseline
▲ 0.50% · 4.625%
HK$7,018
+HK$351/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,334/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$6,823
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,035
−HK$215/mo
Today · 4.125%
HK$7,250
baseline
▲ 0.50% · 4.625%
HK$7,692
+HK$442/mo
Deposit HK$997K · loan HK$1.50M · min. income ≈ HK$14,500/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,590
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,794
−HK$206/mo
Today · 4.125%
HK$8,000
baseline
▲ 0.50% · 4.625%
HK$8,422
+HK$422/mo
Deposit HK$997K · loan HK$1.50M · min. income ≈ HK$16,000/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,960
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,207
−HK$252/mo
Today · 4.125%
HK$8,459
baseline
▲ 0.50% · 4.625%
HK$8,974
+HK$515/mo
Deposit HK$748K · loan HK$1.75M · min. income ≈ HK$16,918/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$8,855
−HK$478/mo
▼ 0.25% · 3.875%
HK$9,093
−HK$240/mo
Today · 4.125%
HK$9,333
baseline
▲ 0.50% · 4.625%
HK$9,825
+HK$492/mo
Deposit HK$748K · loan HK$1.75M · min. income ≈ HK$18,666/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$10,234
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,552
−HK$324/mo
Today · 4.125%
HK$10,876
baseline
▲ 0.50% · 4.625%
HK$11,537
+HK$661/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,752/mo (50% DSR)
Upfront cash ≈ HK$249K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,385
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,690
−HK$310/mo
Today · 4.125%
HK$12,000
baseline
▲ 0.50% · 4.625%
HK$12,633
+HK$633/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$24,000/mo (50% DSR)
Upfront cash ≈ HK$249K (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).