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$5,698
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,875
−HK$180/mo
Today · 4.125%
HK$6,055
baseline
▲ 0.50% · 4.625%
HK$6,424
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,110/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$6,339
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,509
−HK$173/mo
Today · 4.125%
HK$6,682
baseline
▲ 0.50% · 4.625%
HK$7,034
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,364/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$6,838
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,050
−HK$216/mo
Today · 4.125%
HK$7,266
baseline
▲ 0.50% · 4.625%
HK$7,709
+HK$443/mo
Deposit HK$1000K · loan HK$1.50M · min. income ≈ HK$14,532/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,607
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,811
−HK$207/mo
Today · 4.125%
HK$8,018
baseline
▲ 0.50% · 4.625%
HK$8,440
+HK$422/mo
Deposit HK$1000K · loan HK$1.50M · min. income ≈ HK$16,036/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,977
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,225
−HK$253/mo
Today · 4.125%
HK$8,478
baseline
▲ 0.50% · 4.625%
HK$8,993
+HK$515/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$16,956/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,875
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,113
−HK$241/mo
Today · 4.125%
HK$9,354
baseline
▲ 0.50% · 4.625%
HK$9,847
+HK$493/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$18,708/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,256
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,576
−HK$324/mo
Today · 4.125%
HK$10,900
baseline
▲ 0.50% · 4.625%
HK$11,563
+HK$663/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,800/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$11,410
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,716
−HK$311/mo
Today · 4.125%
HK$12,027
baseline
▲ 0.50% · 4.625%
HK$12,661
+HK$634/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,054/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).