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$5,697
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,874
−HK$180/mo
Today · 4.125%
HK$6,054
baseline
▲ 0.50% · 4.625%
HK$6,423
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,108/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$6,338
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,508
−HK$172/mo
Today · 4.125%
HK$6,680
baseline
▲ 0.50% · 4.625%
HK$7,033
+HK$353/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,360/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$6,837
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,049
−HK$216/mo
Today · 4.125%
HK$7,265
baseline
▲ 0.50% · 4.625%
HK$7,707
+HK$442/mo
Deposit HK$999K · loan HK$1.50M · min. income ≈ HK$14,530/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,606
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,810
−HK$206/mo
Today · 4.125%
HK$8,016
baseline
▲ 0.50% · 4.625%
HK$8,439
+HK$423/mo
Deposit HK$999K · loan HK$1.50M · min. income ≈ HK$16,032/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,976
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,224
−HK$252/mo
Today · 4.125%
HK$8,476
baseline
▲ 0.50% · 4.625%
HK$8,992
+HK$516/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$16,952/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,873
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,111
−HK$242/mo
Today · 4.125%
HK$9,353
baseline
▲ 0.50% · 4.625%
HK$9,846
+HK$493/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$18,706/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,255
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,574
−HK$324/mo
Today · 4.125%
HK$10,898
baseline
▲ 0.50% · 4.625%
HK$11,561
+HK$663/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,796/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$11,408
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,714
−HK$311/mo
Today · 4.125%
HK$12,025
baseline
▲ 0.50% · 4.625%
HK$12,659
+HK$634/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,050/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).