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$5,717
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,895
−HK$181/mo
Today · 4.125%
HK$6,076
baseline
▲ 0.50% · 4.625%
HK$6,446
+HK$370/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,152/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$6,361
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,531
−HK$173/mo
Today · 4.125%
HK$6,704
baseline
▲ 0.50% · 4.625%
HK$7,058
+HK$354/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,408/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$6,861
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,074
−HK$217/mo
Today · 4.125%
HK$7,291
baseline
▲ 0.50% · 4.625%
HK$7,735
+HK$444/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,582/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$7,633
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,837
−HK$208/mo
Today · 4.125%
HK$8,045
baseline
▲ 0.50% · 4.625%
HK$8,469
+HK$424/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,090/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$8,004
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,253
−HK$253/mo
Today · 4.125%
HK$8,506
baseline
▲ 0.50% · 4.625%
HK$9,024
+HK$518/mo
Deposit HK$752K · loan HK$1.76M · min. income ≈ HK$17,012/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,905
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,144
−HK$242/mo
Today · 4.125%
HK$9,386
baseline
▲ 0.50% · 4.625%
HK$9,881
+HK$495/mo
Deposit HK$752K · loan HK$1.76M · min. income ≈ HK$18,772/mo (50% DSR)
Upfront cash ≈ HK$752K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,291
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,612
−HK$325/mo
Today · 4.125%
HK$10,937
baseline
▲ 0.50% · 4.625%
HK$11,602
+HK$665/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$21,874/mo (50% DSR)
Upfront cash ≈ HK$251K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,449
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,756
−HK$312/mo
Today · 4.125%
HK$12,068
baseline
▲ 0.50% · 4.625%
HK$12,704
+HK$636/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$24,136/mo (50% DSR)
Upfront cash ≈ HK$251K (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).