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$5,699
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,876
−HK$180/mo
Today · 4.125%
HK$6,056
baseline
▲ 0.50% · 4.625%
HK$6,425
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,112/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$6,340
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,510
−HK$172/mo
Today · 4.125%
HK$6,682
baseline
▲ 0.50% · 4.625%
HK$7,035
+HK$353/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,364/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$6,838
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,051
−HK$216/mo
Today · 4.125%
HK$7,267
baseline
▲ 0.50% · 4.625%
HK$7,710
+HK$443/mo
Deposit HK$1000K · loan HK$1.50M · min. income ≈ HK$14,534/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,608
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,812
−HK$207/mo
Today · 4.125%
HK$8,019
baseline
▲ 0.50% · 4.625%
HK$8,441
+HK$422/mo
Deposit HK$1000K · loan HK$1.50M · min. income ≈ HK$16,038/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,978
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,226
−HK$253/mo
Today · 4.125%
HK$8,479
baseline
▲ 0.50% · 4.625%
HK$8,994
+HK$515/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$16,958/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,876
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,114
−HK$241/mo
Today · 4.125%
HK$9,355
baseline
▲ 0.50% · 4.625%
HK$9,848
+HK$493/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$18,710/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,258
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,577
−HK$324/mo
Today · 4.125%
HK$10,901
baseline
▲ 0.50% · 4.625%
HK$11,564
+HK$663/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,802/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$11,412
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,718
−HK$310/mo
Today · 4.125%
HK$12,028
baseline
▲ 0.50% · 4.625%
HK$12,662
+HK$634/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,056/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).