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$5,707
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,884
−HK$180/mo
Today · 4.125%
HK$6,064
baseline
▲ 0.50% · 4.625%
HK$6,433
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,128/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$6,349
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,519
−HK$173/mo
Today · 4.125%
HK$6,692
baseline
▲ 0.50% · 4.625%
HK$7,044
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,384/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$6,848
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,061
−HK$216/mo
Today · 4.125%
HK$7,277
baseline
▲ 0.50% · 4.625%
HK$7,720
+HK$443/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,554/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$7,618
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,823
−HK$207/mo
Today · 4.125%
HK$8,030
baseline
▲ 0.50% · 4.625%
HK$8,453
+HK$423/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,060/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$7,989
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,238
−HK$252/mo
Today · 4.125%
HK$8,490
baseline
▲ 0.50% · 4.625%
HK$9,007
+HK$517/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$16,980/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,888
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,126
−HK$242/mo
Today · 4.125%
HK$9,368
baseline
▲ 0.50% · 4.625%
HK$9,862
+HK$494/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$18,736/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,272
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,591
−HK$325/mo
Today · 4.125%
HK$10,916
baseline
▲ 0.50% · 4.625%
HK$11,580
+HK$664/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,832/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$11,427
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,734
−HK$311/mo
Today · 4.125%
HK$12,045
baseline
▲ 0.50% · 4.625%
HK$12,680
+HK$635/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,090/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).