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$5,687
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,864
−HK$179/mo
Today · 4.125%
HK$6,043
baseline
▲ 0.50% · 4.625%
HK$6,411
+HK$368/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,086/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$6,326
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,496
−HK$172/mo
Today · 4.125%
HK$6,668
baseline
▲ 0.50% · 4.625%
HK$7,020
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,336/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$6,824
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,036
−HK$216/mo
Today · 4.125%
HK$7,252
baseline
▲ 0.50% · 4.625%
HK$7,693
+HK$441/mo
Deposit HK$998K · loan HK$1.50M · min. income ≈ HK$14,504/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,592
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,795
−HK$207/mo
Today · 4.125%
HK$8,002
baseline
▲ 0.50% · 4.625%
HK$8,424
+HK$422/mo
Deposit HK$998K · loan HK$1.50M · min. income ≈ HK$16,004/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,961
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,209
−HK$252/mo
Today · 4.125%
HK$8,461
baseline
▲ 0.50% · 4.625%
HK$8,975
+HK$514/mo
Deposit HK$748K · loan HK$1.75M · min. income ≈ HK$16,922/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,857
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,095
−HK$241/mo
Today · 4.125%
HK$9,336
baseline
▲ 0.50% · 4.625%
HK$9,828
+HK$492/mo
Deposit HK$748K · loan HK$1.75M · min. income ≈ HK$18,672/mo (50% DSR)
Upfront cash ≈ HK$748K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,236
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,555
−HK$323/mo
Today · 4.125%
HK$10,878
baseline
▲ 0.50% · 4.625%
HK$11,540
+HK$662/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$21,756/mo (50% DSR)
Upfront cash ≈ HK$249K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,388
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,693
−HK$310/mo
Today · 4.125%
HK$12,003
baseline
▲ 0.50% · 4.625%
HK$12,635
+HK$632/mo
Deposit HK$249K · loan HK$2.24M · min. income ≈ HK$24,006/mo (50% DSR)
Upfront cash ≈ HK$249K (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).