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$5,722
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,900
−HK$181/mo
Today · 4.125%
HK$6,081
baseline
▲ 0.50% · 4.625%
HK$6,451
+HK$370/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,162/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$6,366
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,537
−HK$173/mo
Today · 4.125%
HK$6,710
baseline
▲ 0.50% · 4.625%
HK$7,064
+HK$354/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,420/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$6,867
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,080
−HK$217/mo
Today · 4.125%
HK$7,297
baseline
▲ 0.50% · 4.625%
HK$7,741
+HK$444/mo
Deposit HK$1.00M · loan HK$1.51M · min. income ≈ HK$14,594/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$7,639
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,844
−HK$208/mo
Today · 4.125%
HK$8,052
baseline
▲ 0.50% · 4.625%
HK$8,476
+HK$424/mo
Deposit HK$1.00M · loan HK$1.51M · min. income ≈ HK$16,104/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$8,011
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,261
−HK$253/mo
Today · 4.125%
HK$8,514
baseline
▲ 0.50% · 4.625%
HK$9,032
+HK$518/mo
Deposit HK$753K · loan HK$1.76M · min. income ≈ HK$17,028/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,912
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,152
−HK$242/mo
Today · 4.125%
HK$9,394
baseline
▲ 0.50% · 4.625%
HK$9,889
+HK$495/mo
Deposit HK$753K · loan HK$1.76M · min. income ≈ HK$18,788/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,300
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,621
−HK$325/mo
Today · 4.125%
HK$10,946
baseline
▲ 0.50% · 4.625%
HK$11,612
+HK$666/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$21,892/mo (50% DSR)
Upfront cash ≈ HK$251K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,459
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,766
−HK$312/mo
Today · 4.125%
HK$12,078
baseline
▲ 0.50% · 4.625%
HK$12,715
+HK$637/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$24,156/mo (50% DSR)
Upfront cash ≈ HK$251K (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).