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$5,693
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,870
−HK$180/mo
Today · 4.125%
HK$6,050
baseline
▲ 0.50% · 4.625%
HK$6,418
+HK$368/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,100/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$6,333
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,503
−HK$172/mo
Today · 4.125%
HK$6,675
baseline
▲ 0.50% · 4.625%
HK$7,027
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,350/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$6,831
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,044
−HK$216/mo
Today · 4.125%
HK$7,260
baseline
▲ 0.50% · 4.625%
HK$7,701
+HK$441/mo
Deposit HK$999K · loan HK$1.50M · min. income ≈ HK$14,520/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,600
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,804
−HK$206/mo
Today · 4.125%
HK$8,010
baseline
▲ 0.50% · 4.625%
HK$8,433
+HK$423/mo
Deposit HK$999K · loan HK$1.50M · min. income ≈ HK$16,020/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,970
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,218
−HK$252/mo
Today · 4.125%
HK$8,470
baseline
▲ 0.50% · 4.625%
HK$8,985
+HK$515/mo
Deposit HK$749K · loan HK$1.75M · min. income ≈ HK$16,940/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$8,866
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,104
−HK$241/mo
Today · 4.125%
HK$9,345
baseline
▲ 0.50% · 4.625%
HK$9,838
+HK$493/mo
Deposit HK$749K · loan HK$1.75M · min. income ≈ HK$18,690/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$10,247
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,566
−HK$324/mo
Today · 4.125%
HK$10,890
baseline
▲ 0.50% · 4.625%
HK$11,552
+HK$662/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,780/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$11,400
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,705
−HK$311/mo
Today · 4.125%
HK$12,016
baseline
▲ 0.50% · 4.625%
HK$12,649
+HK$633/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,032/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).