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$5,700
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,878
−HK$180/mo
Today · 4.125%
HK$6,058
baseline
▲ 0.50% · 4.625%
HK$6,426
+HK$368/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,116/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$6,342
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,512
−HK$172/mo
Today · 4.125%
HK$6,684
baseline
▲ 0.50% · 4.625%
HK$7,037
+HK$353/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,368/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$6,840
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,053
−HK$216/mo
Today · 4.125%
HK$7,269
baseline
▲ 0.50% · 4.625%
HK$7,712
+HK$443/mo
Deposit HK$1000K · loan HK$1.50M · min. income ≈ HK$14,538/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,610
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,814
−HK$207/mo
Today · 4.125%
HK$8,021
baseline
▲ 0.50% · 4.625%
HK$8,444
+HK$423/mo
Deposit HK$1000K · loan HK$1.50M · min. income ≈ HK$16,042/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,981
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,229
−HK$252/mo
Today · 4.125%
HK$8,481
baseline
▲ 0.50% · 4.625%
HK$8,997
+HK$516/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$16,962/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$8,878
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,116
−HK$242/mo
Today · 4.125%
HK$9,358
baseline
▲ 0.50% · 4.625%
HK$9,851
+HK$493/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$18,716/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$10,261
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,580
−HK$324/mo
Today · 4.125%
HK$10,904
baseline
▲ 0.50% · 4.625%
HK$11,568
+HK$664/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,808/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$11,415
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,721
−HK$311/mo
Today · 4.125%
HK$12,032
baseline
▲ 0.50% · 4.625%
HK$12,666
+HK$634/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,064/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).