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$5,719
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,897
−HK$180/mo
Today · 4.125%
HK$6,077
baseline
▲ 0.50% · 4.625%
HK$6,447
+HK$370/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,154/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$6,362
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,533
−HK$173/mo
Today · 4.125%
HK$6,706
baseline
▲ 0.50% · 4.625%
HK$7,059
+HK$353/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,412/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$6,862
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,076
−HK$217/mo
Today · 4.125%
HK$7,293
baseline
▲ 0.50% · 4.625%
HK$7,736
+HK$443/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,586/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$7,634
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,839
−HK$208/mo
Today · 4.125%
HK$8,047
baseline
▲ 0.50% · 4.625%
HK$8,471
+HK$424/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,094/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$8,006
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,255
−HK$253/mo
Today · 4.125%
HK$8,508
baseline
▲ 0.50% · 4.625%
HK$9,026
+HK$518/mo
Deposit HK$752K · loan HK$1.76M · min. income ≈ HK$17,016/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,907
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,146
−HK$242/mo
Today · 4.125%
HK$9,388
baseline
▲ 0.50% · 4.625%
HK$9,883
+HK$495/mo
Deposit HK$752K · loan HK$1.76M · min. income ≈ HK$18,776/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,294
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,614
−HK$325/mo
Today · 4.125%
HK$10,939
baseline
▲ 0.50% · 4.625%
HK$11,605
+HK$666/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$21,878/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$11,452
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,759
−HK$311/mo
Today · 4.125%
HK$12,070
baseline
▲ 0.50% · 4.625%
HK$12,706
+HK$636/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$24,140/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).