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$5,721
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,899
−HK$181/mo
Today · 4.125%
HK$6,080
baseline
▲ 0.50% · 4.625%
HK$6,450
+HK$370/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,160/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$6,365
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,536
−HK$173/mo
Today · 4.125%
HK$6,709
baseline
▲ 0.50% · 4.625%
HK$7,063
+HK$354/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,418/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$6,866
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,079
−HK$217/mo
Today · 4.125%
HK$7,296
baseline
▲ 0.50% · 4.625%
HK$7,740
+HK$444/mo
Deposit HK$1.00M · loan HK$1.51M · min. income ≈ HK$14,592/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$7,638
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,843
−HK$208/mo
Today · 4.125%
HK$8,051
baseline
▲ 0.50% · 4.625%
HK$8,475
+HK$424/mo
Deposit HK$1.00M · loan HK$1.51M · min. income ≈ HK$16,102/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$8,010
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,259
−HK$253/mo
Today · 4.125%
HK$8,512
baseline
▲ 0.50% · 4.625%
HK$9,030
+HK$518/mo
Deposit HK$753K · loan HK$1.76M · min. income ≈ HK$17,024/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$8,911
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,150
−HK$242/mo
Today · 4.125%
HK$9,392
baseline
▲ 0.50% · 4.625%
HK$9,888
+HK$496/mo
Deposit HK$753K · loan HK$1.76M · min. income ≈ HK$18,784/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$10,299
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,619
−HK$325/mo
Today · 4.125%
HK$10,944
baseline
▲ 0.50% · 4.625%
HK$11,610
+HK$666/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$21,888/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$11,457
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,764
−HK$312/mo
Today · 4.125%
HK$12,076
baseline
▲ 0.50% · 4.625%
HK$12,713
+HK$637/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$24,152/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).