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$5,689
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,866
−HK$180/mo
Today · 4.125%
HK$6,046
baseline
▲ 0.50% · 4.625%
HK$6,414
+HK$368/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,092/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$6,329
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,499
−HK$172/mo
Today · 4.125%
HK$6,671
baseline
▲ 0.50% · 4.625%
HK$7,023
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,342/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$6,827
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,040
−HK$215/mo
Today · 4.125%
HK$7,255
baseline
▲ 0.50% · 4.625%
HK$7,697
+HK$442/mo
Deposit HK$998K · loan HK$1.50M · min. income ≈ HK$14,510/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$7,595
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,799
−HK$206/mo
Today · 4.125%
HK$8,005
baseline
▲ 0.50% · 4.625%
HK$8,427
+HK$422/mo
Deposit HK$998K · loan HK$1.50M · min. income ≈ HK$16,010/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$7,965
−HK$499/mo
▼ 0.25% · 3.875%
HK$8,213
−HK$251/mo
Today · 4.125%
HK$8,464
baseline
▲ 0.50% · 4.625%
HK$8,980
+HK$516/mo
Deposit HK$749K · loan HK$1.75M · min. income ≈ HK$16,928/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$8,861
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,099
−HK$241/mo
Today · 4.125%
HK$9,340
baseline
▲ 0.50% · 4.625%
HK$9,832
+HK$492/mo
Deposit HK$749K · loan HK$1.75M · min. income ≈ HK$18,680/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$10,241
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,559
−HK$324/mo
Today · 4.125%
HK$10,883
baseline
▲ 0.50% · 4.625%
HK$11,545
+HK$662/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,766/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$11,393
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,698
−HK$310/mo
Today · 4.125%
HK$12,008
baseline
▲ 0.50% · 4.625%
HK$12,641
+HK$633/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,016/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).