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$5,701
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,879
−HK$180/mo
Today · 4.125%
HK$6,059
baseline
▲ 0.50% · 4.625%
HK$6,427
+HK$368/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,118/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$342/mo
▼ 0.25% · 3.875%
HK$6,513
−HK$172/mo
Today · 4.125%
HK$6,685
baseline
▲ 0.50% · 4.625%
HK$7,038
+HK$353/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,370/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$429/mo
▼ 0.25% · 3.875%
HK$7,054
−HK$217/mo
Today · 4.125%
HK$7,271
baseline
▲ 0.50% · 4.625%
HK$7,713
+HK$442/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,542/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$7,611
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,815
−HK$207/mo
Today · 4.125%
HK$8,022
baseline
▲ 0.50% · 4.625%
HK$8,445
+HK$423/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,044/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$7,982
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,230
−HK$252/mo
Today · 4.125%
HK$8,482
baseline
▲ 0.50% · 4.625%
HK$8,998
+HK$516/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$16,964/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$8,880
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,118
−HK$241/mo
Today · 4.125%
HK$9,359
baseline
▲ 0.50% · 4.625%
HK$9,853
+HK$494/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$18,718/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$10,262
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,582
−HK$324/mo
Today · 4.125%
HK$10,906
baseline
▲ 0.50% · 4.625%
HK$11,569
+HK$663/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,812/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$11,417
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,723
−HK$311/mo
Today · 4.125%
HK$12,034
baseline
▲ 0.50% · 4.625%
HK$12,668
+HK$634/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,068/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).