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$5,723
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,901
−HK$181/mo
Today · 4.125%
HK$6,082
baseline
▲ 0.50% · 4.625%
HK$6,452
+HK$370/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,164/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,367
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,538
−HK$173/mo
Today · 4.125%
HK$6,711
baseline
▲ 0.50% · 4.625%
HK$7,065
+HK$354/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,422/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,868
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,082
−HK$217/mo
Today · 4.125%
HK$7,299
baseline
▲ 0.50% · 4.625%
HK$7,743
+HK$444/mo
Deposit HK$1.00M · loan HK$1.51M · min. income ≈ HK$14,598/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$7,641
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,846
−HK$207/mo
Today · 4.125%
HK$8,053
baseline
▲ 0.50% · 4.625%
HK$8,478
+HK$425/mo
Deposit HK$1.00M · loan HK$1.51M · min. income ≈ HK$16,106/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$8,013
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,262
−HK$253/mo
Today · 4.125%
HK$8,515
baseline
▲ 0.50% · 4.625%
HK$9,033
+HK$518/mo
Deposit HK$753K · loan HK$1.76M · min. income ≈ HK$17,030/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,914
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,153
−HK$243/mo
Today · 4.125%
HK$9,396
baseline
▲ 0.50% · 4.625%
HK$9,891
+HK$495/mo
Deposit HK$753K · loan HK$1.76M · min. income ≈ HK$18,792/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,302
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,622
−HK$326/mo
Today · 4.125%
HK$10,948
baseline
▲ 0.50% · 4.625%
HK$11,614
+HK$666/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$21,896/mo (50% DSR)
Upfront cash ≈ HK$251K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,461
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,768
−HK$312/mo
Today · 4.125%
HK$12,080
baseline
▲ 0.50% · 4.625%
HK$12,717
+HK$637/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$24,160/mo (50% DSR)
Upfront cash ≈ HK$251K (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).