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$5,716
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,894
−HK$181/mo
Today · 4.125%
HK$6,075
baseline
▲ 0.50% · 4.625%
HK$6,444
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,150/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$6,359
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,530
−HK$173/mo
Today · 4.125%
HK$6,703
baseline
▲ 0.50% · 4.625%
HK$7,056
+HK$353/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,406/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$6,860
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,073
−HK$217/mo
Today · 4.125%
HK$7,290
baseline
▲ 0.50% · 4.625%
HK$7,733
+HK$443/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,580/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$7,631
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,836
−HK$208/mo
Today · 4.125%
HK$8,044
baseline
▲ 0.50% · 4.625%
HK$8,468
+HK$424/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,088/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$8,003
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,252
−HK$253/mo
Today · 4.125%
HK$8,505
baseline
▲ 0.50% · 4.625%
HK$9,022
+HK$517/mo
Deposit HK$752K · loan HK$1.75M · min. income ≈ HK$17,010/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,903
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,142
−HK$242/mo
Today · 4.125%
HK$9,384
baseline
▲ 0.50% · 4.625%
HK$9,879
+HK$495/mo
Deposit HK$752K · loan HK$1.75M · min. income ≈ HK$18,768/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,289
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,610
−HK$325/mo
Today · 4.125%
HK$10,935
baseline
▲ 0.50% · 4.625%
HK$11,600
+HK$665/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$21,870/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$11,447
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,754
−HK$311/mo
Today · 4.125%
HK$12,065
baseline
▲ 0.50% · 4.625%
HK$12,701
+HK$636/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$24,130/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).