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$5,704
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,881
−HK$180/mo
Today · 4.125%
HK$6,061
baseline
▲ 0.50% · 4.625%
HK$6,430
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,122/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$6,345
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,515
−HK$173/mo
Today · 4.125%
HK$6,688
baseline
▲ 0.50% · 4.625%
HK$7,040
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,376/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$6,844
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,057
−HK$216/mo
Today · 4.125%
HK$7,273
baseline
▲ 0.50% · 4.625%
HK$7,716
+HK$443/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,546/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$7,614
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,818
−HK$208/mo
Today · 4.125%
HK$8,026
baseline
▲ 0.50% · 4.625%
HK$8,449
+HK$423/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,052/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$7,985
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,233
−HK$253/mo
Today · 4.125%
HK$8,486
baseline
▲ 0.50% · 4.625%
HK$9,002
+HK$516/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$16,972/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$8,883
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,121
−HK$242/mo
Today · 4.125%
HK$9,363
baseline
▲ 0.50% · 4.625%
HK$9,857
+HK$494/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$18,726/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$10,266
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,586
−HK$324/mo
Today · 4.125%
HK$10,910
baseline
▲ 0.50% · 4.625%
HK$11,574
+HK$664/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,820/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$11,421
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,728
−HK$310/mo
Today · 4.125%
HK$12,038
baseline
▲ 0.50% · 4.625%
HK$12,673
+HK$635/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,076/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).