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$5,708
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,885
−HK$180/mo
Today · 4.125%
HK$6,065
baseline
▲ 0.50% · 4.625%
HK$6,434
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,130/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$6,350
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,520
−HK$173/mo
Today · 4.125%
HK$6,693
baseline
▲ 0.50% · 4.625%
HK$7,045
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,386/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$6,849
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,062
−HK$217/mo
Today · 4.125%
HK$7,279
baseline
▲ 0.50% · 4.625%
HK$7,721
+HK$442/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,558/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$7,619
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,824
−HK$207/mo
Today · 4.125%
HK$8,031
baseline
▲ 0.50% · 4.625%
HK$8,454
+HK$423/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,062/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$7,991
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,239
−HK$253/mo
Today · 4.125%
HK$8,492
baseline
▲ 0.50% · 4.625%
HK$9,008
+HK$516/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$16,984/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$8,889
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,128
−HK$242/mo
Today · 4.125%
HK$9,370
baseline
▲ 0.50% · 4.625%
HK$9,864
+HK$494/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$18,740/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$10,274
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,593
−HK$325/mo
Today · 4.125%
HK$10,918
baseline
▲ 0.50% · 4.625%
HK$11,582
+HK$664/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,836/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$11,429
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,736
−HK$311/mo
Today · 4.125%
HK$12,047
baseline
▲ 0.50% · 4.625%
HK$12,682
+HK$635/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,094/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).