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$5,700
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,877
−HK$181/mo
Today · 4.125%
HK$6,058
baseline
▲ 0.50% · 4.625%
HK$6,426
+HK$368/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,116/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$6,341
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,511
−HK$173/mo
Today · 4.125%
HK$6,684
baseline
▲ 0.50% · 4.625%
HK$7,036
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,368/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$6,840
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,053
−HK$216/mo
Today · 4.125%
HK$7,269
baseline
▲ 0.50% · 4.625%
HK$7,711
+HK$442/mo
Deposit HK$1000K · loan HK$1.50M · min. income ≈ HK$14,538/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$7,610
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,814
−HK$207/mo
Today · 4.125%
HK$8,021
baseline
▲ 0.50% · 4.625%
HK$8,443
+HK$422/mo
Deposit HK$1000K · loan HK$1.50M · min. income ≈ HK$16,042/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$7,980
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,228
−HK$253/mo
Today · 4.125%
HK$8,481
baseline
▲ 0.50% · 4.625%
HK$8,997
+HK$516/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$16,962/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,878
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,116
−HK$241/mo
Today · 4.125%
HK$9,357
baseline
▲ 0.50% · 4.625%
HK$9,851
+HK$494/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$18,714/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,260
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,579
−HK$325/mo
Today · 4.125%
HK$10,904
baseline
▲ 0.50% · 4.625%
HK$11,567
+HK$663/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,808/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$11,414
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,720
−HK$311/mo
Today · 4.125%
HK$12,031
baseline
▲ 0.50% · 4.625%
HK$12,665
+HK$634/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,062/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).