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$5,703
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,880
−HK$180/mo
Today · 4.125%
HK$6,060
baseline
▲ 0.50% · 4.625%
HK$6,429
+HK$369/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$6,344
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,514
−HK$173/mo
Today · 4.125%
HK$6,687
baseline
▲ 0.50% · 4.625%
HK$7,039
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,374/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$6,843
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,056
−HK$216/mo
Today · 4.125%
HK$7,272
baseline
▲ 0.50% · 4.625%
HK$7,715
+HK$443/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$7,613
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,817
−HK$207/mo
Today · 4.125%
HK$8,024
baseline
▲ 0.50% · 4.625%
HK$8,447
+HK$423/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,048/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$7,984
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,232
−HK$252/mo
Today · 4.125%
HK$8,484
baseline
▲ 0.50% · 4.625%
HK$9,000
+HK$516/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$16,968/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$8,882
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,120
−HK$241/mo
Today · 4.125%
HK$9,361
baseline
▲ 0.50% · 4.625%
HK$9,855
+HK$494/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$10,265
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,584
−HK$324/mo
Today · 4.125%
HK$10,908
baseline
▲ 0.50% · 4.625%
HK$11,572
+HK$664/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,816/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$11,419
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,725
−HK$311/mo
Today · 4.125%
HK$12,036
baseline
▲ 0.50% · 4.625%
HK$12,671
+HK$635/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,072/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).