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$5,699
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,877
−HK$180/mo
Today · 4.125%
HK$6,057
baseline
▲ 0.50% · 4.625%
HK$6,425
+HK$368/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,114/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$342/mo
▼ 0.25% · 3.875%
HK$6,511
−HK$172/mo
Today · 4.125%
HK$6,683
baseline
▲ 0.50% · 4.625%
HK$7,035
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,366/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$6,839
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,052
−HK$216/mo
Today · 4.125%
HK$7,268
baseline
▲ 0.50% · 4.625%
HK$7,710
+HK$442/mo
Deposit HK$1000K · loan HK$1.50M · min. income ≈ HK$14,536/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,609
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,813
−HK$207/mo
Today · 4.125%
HK$8,020
baseline
▲ 0.50% · 4.625%
HK$8,442
+HK$422/mo
Deposit HK$1000K · loan HK$1.50M · min. income ≈ HK$16,040/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,979
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,227
−HK$253/mo
Today · 4.125%
HK$8,480
baseline
▲ 0.50% · 4.625%
HK$8,995
+HK$515/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$16,960/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$8,877
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,115
−HK$241/mo
Today · 4.125%
HK$9,356
baseline
▲ 0.50% · 4.625%
HK$9,849
+HK$493/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$18,712/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$10,259
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,578
−HK$324/mo
Today · 4.125%
HK$10,902
baseline
▲ 0.50% · 4.625%
HK$11,566
+HK$664/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,804/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$11,413
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,719
−HK$311/mo
Today · 4.125%
HK$12,030
baseline
▲ 0.50% · 4.625%
HK$12,664
+HK$634/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,060/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).