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$5,711
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,888
−HK$181/mo
Today · 4.125%
HK$6,069
baseline
▲ 0.50% · 4.625%
HK$6,438
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,138/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$6,353
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,524
−HK$172/mo
Today · 4.125%
HK$6,696
baseline
▲ 0.50% · 4.625%
HK$7,049
+HK$353/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,392/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$6,853
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,066
−HK$217/mo
Today · 4.125%
HK$7,283
baseline
▲ 0.50% · 4.625%
HK$7,726
+HK$443/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,566/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$7,624
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,828
−HK$208/mo
Today · 4.125%
HK$8,036
baseline
▲ 0.50% · 4.625%
HK$8,459
+HK$423/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,072/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$7,995
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,244
−HK$252/mo
Today · 4.125%
HK$8,496
baseline
▲ 0.50% · 4.625%
HK$9,013
+HK$517/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$16,992/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,894
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,133
−HK$242/mo
Today · 4.125%
HK$9,375
baseline
▲ 0.50% · 4.625%
HK$9,869
+HK$494/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$18,750/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,279
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,599
−HK$325/mo
Today · 4.125%
HK$10,924
baseline
▲ 0.50% · 4.625%
HK$11,589
+HK$665/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,848/mo (50% DSR)
Upfront cash ≈ HK$251K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,436
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,742
−HK$312/mo
Today · 4.125%
HK$12,054
baseline
▲ 0.50% · 4.625%
HK$12,689
+HK$635/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,108/mo (50% DSR)
Upfront cash ≈ HK$251K (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).