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$5,705
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,883
−HK$180/mo
Today · 4.125%
HK$6,063
baseline
▲ 0.50% · 4.625%
HK$6,432
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,126/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$6,347
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,517
−HK$173/mo
Today · 4.125%
HK$6,690
baseline
▲ 0.50% · 4.625%
HK$7,042
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,380/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$6,846
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,059
−HK$217/mo
Today · 4.125%
HK$7,276
baseline
▲ 0.50% · 4.625%
HK$7,718
+HK$442/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,552/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$7,616
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,821
−HK$207/mo
Today · 4.125%
HK$8,028
baseline
▲ 0.50% · 4.625%
HK$8,451
+HK$423/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,056/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$7,987
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,236
−HK$252/mo
Today · 4.125%
HK$8,488
baseline
▲ 0.50% · 4.625%
HK$9,005
+HK$517/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$16,976/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$8,886
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,124
−HK$242/mo
Today · 4.125%
HK$9,366
baseline
▲ 0.50% · 4.625%
HK$9,859
+HK$493/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$18,732/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$10,269
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,589
−HK$324/mo
Today · 4.125%
HK$10,913
baseline
▲ 0.50% · 4.625%
HK$11,577
+HK$664/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,826/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$11,424
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,731
−HK$311/mo
Today · 4.125%
HK$12,042
baseline
▲ 0.50% · 4.625%
HK$12,676
+HK$634/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,084/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).