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$5,719
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,897
−HK$181/mo
Today · 4.125%
HK$6,078
baseline
▲ 0.50% · 4.625%
HK$6,448
+HK$370/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,156/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$6,363
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,533
−HK$173/mo
Today · 4.125%
HK$6,706
baseline
▲ 0.50% · 4.625%
HK$7,060
+HK$354/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,412/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$6,863
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,077
−HK$216/mo
Today · 4.125%
HK$7,293
baseline
▲ 0.50% · 4.625%
HK$7,737
+HK$444/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,586/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$7,635
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,840
−HK$208/mo
Today · 4.125%
HK$8,048
baseline
▲ 0.50% · 4.625%
HK$8,472
+HK$424/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,096/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$8,007
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,256
−HK$253/mo
Today · 4.125%
HK$8,509
baseline
▲ 0.50% · 4.625%
HK$9,027
+HK$518/mo
Deposit HK$752K · loan HK$1.76M · min. income ≈ HK$17,018/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,908
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,147
−HK$242/mo
Today · 4.125%
HK$9,389
baseline
▲ 0.50% · 4.625%
HK$9,884
+HK$495/mo
Deposit HK$752K · loan HK$1.76M · min. income ≈ HK$18,778/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,295
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,615
−HK$325/mo
Today · 4.125%
HK$10,940
baseline
▲ 0.50% · 4.625%
HK$11,606
+HK$666/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$21,880/mo (50% DSR)
Upfront cash ≈ HK$251K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,453
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,760
−HK$311/mo
Today · 4.125%
HK$12,071
baseline
▲ 0.50% · 4.625%
HK$12,708
+HK$637/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$24,142/mo (50% DSR)
Upfront cash ≈ HK$251K (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).