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$5,694
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,871
−HK$180/mo
Today · 4.125%
HK$6,051
baseline
▲ 0.50% · 4.625%
HK$6,419
+HK$368/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,102/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$6,334
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,504
−HK$172/mo
Today · 4.125%
HK$6,676
baseline
▲ 0.50% · 4.625%
HK$7,028
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,352/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$6,832
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,045
−HK$216/mo
Today · 4.125%
HK$7,261
baseline
▲ 0.50% · 4.625%
HK$7,703
+HK$442/mo
Deposit HK$999K · loan HK$1.50M · min. income ≈ HK$14,522/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$7,601
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,805
−HK$207/mo
Today · 4.125%
HK$8,012
baseline
▲ 0.50% · 4.625%
HK$8,434
+HK$422/mo
Deposit HK$999K · loan HK$1.50M · min. income ≈ HK$16,024/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$7,971
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,219
−HK$252/mo
Today · 4.125%
HK$8,471
baseline
▲ 0.50% · 4.625%
HK$8,987
+HK$516/mo
Deposit HK$749K · loan HK$1.75M · min. income ≈ HK$16,942/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$8,868
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,106
−HK$241/mo
Today · 4.125%
HK$9,347
baseline
▲ 0.50% · 4.625%
HK$9,840
+HK$493/mo
Deposit HK$749K · loan HK$1.75M · min. income ≈ HK$18,694/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$10,249
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,567
−HK$324/mo
Today · 4.125%
HK$10,891
baseline
▲ 0.50% · 4.625%
HK$11,554
+HK$663/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,782/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$11,402
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,707
−HK$311/mo
Today · 4.125%
HK$12,018
baseline
▲ 0.50% · 4.625%
HK$12,651
+HK$633/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,036/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).