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$5,684
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,861
−HK$180/mo
Today · 4.125%
HK$6,041
baseline
▲ 0.50% · 4.625%
HK$6,408
+HK$367/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,082/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$6,324
−HK$341/mo
▼ 0.25% · 3.875%
HK$6,493
−HK$172/mo
Today · 4.125%
HK$6,665
baseline
▲ 0.50% · 4.625%
HK$7,017
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,330/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$6,821
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,033
−HK$216/mo
Today · 4.125%
HK$7,249
baseline
▲ 0.50% · 4.625%
HK$7,690
+HK$441/mo
Deposit HK$997K · loan HK$1.50M · min. income ≈ HK$14,498/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,589
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,792
−HK$207/mo
Today · 4.125%
HK$7,999
baseline
▲ 0.50% · 4.625%
HK$8,420
+HK$421/mo
Deposit HK$997K · loan HK$1.50M · min. income ≈ HK$15,998/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,958
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,206
−HK$251/mo
Today · 4.125%
HK$8,457
baseline
▲ 0.50% · 4.625%
HK$8,972
+HK$515/mo
Deposit HK$748K · loan HK$1.75M · min. income ≈ HK$16,914/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,853
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,091
−HK$241/mo
Today · 4.125%
HK$9,332
baseline
▲ 0.50% · 4.625%
HK$9,824
+HK$492/mo
Deposit HK$748K · loan HK$1.75M · min. income ≈ HK$18,664/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,232
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,550
−HK$324/mo
Today · 4.125%
HK$10,874
baseline
▲ 0.50% · 4.625%
HK$11,535
+HK$661/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,748/mo (50% DSR)
Upfront cash ≈ HK$249K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,383
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,688
−HK$310/mo
Today · 4.125%
HK$11,998
baseline
▲ 0.50% · 4.625%
HK$12,630
+HK$632/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$23,996/mo (50% DSR)
Upfront cash ≈ HK$249K (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).