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$5,706
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,883
−HK$181/mo
Today · 4.125%
HK$6,064
baseline
▲ 0.50% · 4.625%
HK$6,433
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,128/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$6,348
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,518
−HK$173/mo
Today · 4.125%
HK$6,691
baseline
▲ 0.50% · 4.625%
HK$7,043
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,382/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$6,847
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,060
−HK$217/mo
Today · 4.125%
HK$7,277
baseline
▲ 0.50% · 4.625%
HK$7,719
+HK$442/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,554/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$7,617
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,822
−HK$207/mo
Today · 4.125%
HK$8,029
baseline
▲ 0.50% · 4.625%
HK$8,452
+HK$423/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,058/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$7,988
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,237
−HK$252/mo
Today · 4.125%
HK$8,489
baseline
▲ 0.50% · 4.625%
HK$9,006
+HK$517/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$16,978/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$8,887
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,125
−HK$242/mo
Today · 4.125%
HK$9,367
baseline
▲ 0.50% · 4.625%
HK$9,861
+HK$494/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$18,734/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$10,271
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,590
−HK$325/mo
Today · 4.125%
HK$10,915
baseline
▲ 0.50% · 4.625%
HK$11,579
+HK$664/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,830/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$11,426
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,733
−HK$310/mo
Today · 4.125%
HK$12,043
baseline
▲ 0.50% · 4.625%
HK$12,678
+HK$635/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,086/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).