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$5,704
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,882
−HK$180/mo
Today · 4.125%
HK$6,062
baseline
▲ 0.50% · 4.625%
HK$6,431
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,124/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$6,346
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,516
−HK$173/mo
Today · 4.125%
HK$6,689
baseline
▲ 0.50% · 4.625%
HK$7,041
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,378/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$6,845
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,058
−HK$216/mo
Today · 4.125%
HK$7,274
baseline
▲ 0.50% · 4.625%
HK$7,717
+HK$443/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,548/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$7,615
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,819
−HK$207/mo
Today · 4.125%
HK$8,026
baseline
▲ 0.50% · 4.625%
HK$8,449
+HK$423/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,052/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$7,986
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,234
−HK$253/mo
Today · 4.125%
HK$8,487
baseline
▲ 0.50% · 4.625%
HK$9,003
+HK$516/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$16,974/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$8,884
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,122
−HK$242/mo
Today · 4.125%
HK$9,364
baseline
▲ 0.50% · 4.625%
HK$9,858
+HK$494/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$18,728/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$10,267
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,587
−HK$324/mo
Today · 4.125%
HK$10,911
baseline
▲ 0.50% · 4.625%
HK$11,575
+HK$664/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,822/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$11,422
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,729
−HK$311/mo
Today · 4.125%
HK$12,040
baseline
▲ 0.50% · 4.625%
HK$12,674
+HK$634/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,080/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).