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$5,705
−HK$357/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$7,042
+HK$353/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$430/mo
▼ 0.25% · 3.875%
HK$7,058
−HK$217/mo
Today · 4.125%
HK$7,275
baseline
▲ 0.50% · 4.625%
HK$7,717
+HK$442/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,550/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$412/mo
▼ 0.25% · 3.875%
HK$7,820
−HK$207/mo
Today · 4.125%
HK$8,027
baseline
▲ 0.50% · 4.625%
HK$8,450
+HK$423/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,054/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$8,235
−HK$252/mo
Today · 4.125%
HK$8,487
baseline
▲ 0.50% · 4.625%
HK$9,004
+HK$517/mo
Deposit HK$751K · 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$8,885
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,123
−HK$242/mo
Today · 4.125%
HK$9,365
baseline
▲ 0.50% · 4.625%
HK$9,858
+HK$493/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$18,730/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$10,268
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,588
−HK$324/mo
Today · 4.125%
HK$10,912
baseline
▲ 0.50% · 4.625%
HK$11,576
+HK$664/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,824/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$11,423
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,730
−HK$310/mo
Today · 4.125%
HK$12,040
baseline
▲ 0.50% · 4.625%
HK$12,675
+HK$635/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).