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$5,702
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,879
−HK$181/mo
Today · 4.125%
HK$6,060
baseline
▲ 0.50% · 4.625%
HK$6,428
+HK$368/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,120/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$6,343
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,514
−HK$172/mo
Today · 4.125%
HK$6,686
baseline
▲ 0.50% · 4.625%
HK$7,039
+HK$353/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,372/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$6,842
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,055
−HK$217/mo
Today · 4.125%
HK$7,272
baseline
▲ 0.50% · 4.625%
HK$7,714
+HK$442/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,544/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$7,612
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,816
−HK$207/mo
Today · 4.125%
HK$8,023
baseline
▲ 0.50% · 4.625%
HK$8,446
+HK$423/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,046/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$7,983
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,231
−HK$252/mo
Today · 4.125%
HK$8,483
baseline
▲ 0.50% · 4.625%
HK$9,000
+HK$517/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$16,966/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$8,881
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,119
−HK$242/mo
Today · 4.125%
HK$9,361
baseline
▲ 0.50% · 4.625%
HK$9,854
+HK$493/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$18,722/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$10,264
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,583
−HK$324/mo
Today · 4.125%
HK$10,907
baseline
▲ 0.50% · 4.625%
HK$11,571
+HK$664/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,814/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$11,418
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,724
−HK$311/mo
Today · 4.125%
HK$12,035
baseline
▲ 0.50% · 4.625%
HK$12,669
+HK$634/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,070/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).