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$5,697
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,875
−HK$180/mo
Today · 4.125%
HK$6,055
baseline
▲ 0.50% · 4.625%
HK$6,423
+HK$368/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$6,338
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,508
−HK$173/mo
Today · 4.125%
HK$6,681
baseline
▲ 0.50% · 4.625%
HK$7,033
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,362/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$6,837
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,050
−HK$216/mo
Today · 4.125%
HK$7,266
baseline
▲ 0.50% · 4.625%
HK$7,708
+HK$442/mo
Deposit HK$999K · 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$7,606
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,810
−HK$207/mo
Today · 4.125%
HK$8,017
baseline
▲ 0.50% · 4.625%
HK$8,440
+HK$423/mo
Deposit HK$999K · loan HK$1.50M · min. income ≈ HK$16,034/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$7,976
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,225
−HK$252/mo
Today · 4.125%
HK$8,477
baseline
▲ 0.50% · 4.625%
HK$8,992
+HK$515/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$16,954/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$8,874
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,112
−HK$241/mo
Today · 4.125%
HK$9,353
baseline
▲ 0.50% · 4.625%
HK$9,846
+HK$493/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$18,706/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$10,255
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,574
−HK$324/mo
Today · 4.125%
HK$10,898
baseline
▲ 0.50% · 4.625%
HK$11,562
+HK$664/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,796/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$11,409
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,715
−HK$310/mo
Today · 4.125%
HK$12,025
baseline
▲ 0.50% · 4.625%
HK$12,659
+HK$634/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,050/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).