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$5,709
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,887
−HK$180/mo
Today · 4.125%
HK$6,067
baseline
▲ 0.50% · 4.625%
HK$6,436
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,134/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$6,352
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,522
−HK$173/mo
Today · 4.125%
HK$6,695
baseline
▲ 0.50% · 4.625%
HK$7,048
+HK$353/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,390/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$6,851
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,064
−HK$217/mo
Today · 4.125%
HK$7,281
baseline
▲ 0.50% · 4.625%
HK$7,724
+HK$443/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,562/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$7,622
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,826
−HK$208/mo
Today · 4.125%
HK$8,034
baseline
▲ 0.50% · 4.625%
HK$8,457
+HK$423/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,068/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$7,993
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,242
−HK$252/mo
Today · 4.125%
HK$8,494
baseline
▲ 0.50% · 4.625%
HK$9,011
+HK$517/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$16,988/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$8,892
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,131
−HK$242/mo
Today · 4.125%
HK$9,373
baseline
▲ 0.50% · 4.625%
HK$9,867
+HK$494/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$18,746/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$10,277
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,596
−HK$325/mo
Today · 4.125%
HK$10,921
baseline
▲ 0.50% · 4.625%
HK$11,586
+HK$665/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,842/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$11,433
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,739
−HK$311/mo
Today · 4.125%
HK$12,050
baseline
▲ 0.50% · 4.625%
HK$12,686
+HK$636/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,100/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).