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$5,718
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,896
−HK$181/mo
Today · 4.125%
HK$6,077
baseline
▲ 0.50% · 4.625%
HK$6,447
+HK$370/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,154/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$6,362
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,532
−HK$173/mo
Today · 4.125%
HK$6,705
baseline
▲ 0.50% · 4.625%
HK$7,059
+HK$354/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,410/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$6,862
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,076
−HK$216/mo
Today · 4.125%
HK$7,292
baseline
▲ 0.50% · 4.625%
HK$7,736
+HK$444/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,584/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$7,634
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,839
−HK$207/mo
Today · 4.125%
HK$8,046
baseline
▲ 0.50% · 4.625%
HK$8,471
+HK$425/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,092/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$8,006
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,255
−HK$253/mo
Today · 4.125%
HK$8,508
baseline
▲ 0.50% · 4.625%
HK$9,025
+HK$517/mo
Deposit HK$752K · loan HK$1.76M · min. income ≈ HK$17,016/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$8,906
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,145
−HK$242/mo
Today · 4.125%
HK$9,387
baseline
▲ 0.50% · 4.625%
HK$9,882
+HK$495/mo
Deposit HK$752K · loan HK$1.76M · min. income ≈ HK$18,774/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$10,293
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,613
−HK$326/mo
Today · 4.125%
HK$10,939
baseline
▲ 0.50% · 4.625%
HK$11,604
+HK$665/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$21,878/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$11,451
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,758
−HK$312/mo
Today · 4.125%
HK$12,070
baseline
▲ 0.50% · 4.625%
HK$12,706
+HK$636/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$24,140/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).