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$5,706
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,883
−HK$180/mo
Today · 4.125%
HK$6,063
baseline
▲ 0.50% · 4.625%
HK$6,432
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,126/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$6,347
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,518
−HK$172/mo
Today · 4.125%
HK$6,690
baseline
▲ 0.50% · 4.625%
HK$7,043
+HK$353/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,380/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$6,847
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,060
−HK$216/mo
Today · 4.125%
HK$7,276
baseline
▲ 0.50% · 4.625%
HK$7,719
+HK$443/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,552/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$7,617
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,821
−HK$207/mo
Today · 4.125%
HK$8,028
baseline
▲ 0.50% · 4.625%
HK$8,452
+HK$424/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,056/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$7,988
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,236
−HK$253/mo
Today · 4.125%
HK$8,489
baseline
▲ 0.50% · 4.625%
HK$9,005
+HK$516/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$16,978/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$8,886
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,125
−HK$241/mo
Today · 4.125%
HK$9,366
baseline
▲ 0.50% · 4.625%
HK$9,860
+HK$494/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$18,732/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$10,270
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,589
−HK$325/mo
Today · 4.125%
HK$10,914
baseline
▲ 0.50% · 4.625%
HK$11,578
+HK$664/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,828/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$11,425
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,732
−HK$311/mo
Today · 4.125%
HK$12,043
baseline
▲ 0.50% · 4.625%
HK$12,677
+HK$634/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,086/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).