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$5,691
−HK$356/mo
▼ 0.25% · 3.875%
HK$5,868
−HK$179/mo
Today · 4.125%
HK$6,047
baseline
▲ 0.50% · 4.625%
HK$6,415
+HK$368/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,094/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$6,331
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,500
−HK$173/mo
Today · 4.125%
HK$6,673
baseline
▲ 0.50% · 4.625%
HK$7,024
+HK$351/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,346/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$6,829
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,041
−HK$216/mo
Today · 4.125%
HK$7,257
baseline
▲ 0.50% · 4.625%
HK$7,698
+HK$441/mo
Deposit HK$998K · loan HK$1.50M · min. income ≈ HK$14,514/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$7,597
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,801
−HK$206/mo
Today · 4.125%
HK$8,007
baseline
▲ 0.50% · 4.625%
HK$8,429
+HK$422/mo
Deposit HK$998K · loan HK$1.50M · min. income ≈ HK$16,014/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$7,967
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,215
−HK$251/mo
Today · 4.125%
HK$8,466
baseline
▲ 0.50% · 4.625%
HK$8,982
+HK$516/mo
Deposit HK$749K · loan HK$1.75M · min. income ≈ HK$16,932/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,863
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,101
−HK$241/mo
Today · 4.125%
HK$9,342
baseline
▲ 0.50% · 4.625%
HK$9,834
+HK$492/mo
Deposit HK$749K · loan HK$1.75M · min. income ≈ HK$18,684/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,243
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,562
−HK$323/mo
Today · 4.125%
HK$10,885
baseline
▲ 0.50% · 4.625%
HK$11,548
+HK$663/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,770/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$11,395
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,701
−HK$310/mo
Today · 4.125%
HK$12,011
baseline
▲ 0.50% · 4.625%
HK$12,644
+HK$633/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,022/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).