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$5,695
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,872
−HK$180/mo
Today · 4.125%
HK$6,052
baseline
▲ 0.50% · 4.625%
HK$6,420
+HK$368/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,104/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$6,336
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,506
−HK$172/mo
Today · 4.125%
HK$6,678
baseline
▲ 0.50% · 4.625%
HK$7,030
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,356/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$6,834
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,047
−HK$216/mo
Today · 4.125%
HK$7,263
baseline
▲ 0.50% · 4.625%
HK$7,705
+HK$442/mo
Deposit HK$999K · loan HK$1.50M · min. income ≈ HK$14,526/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$7,603
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,807
−HK$207/mo
Today · 4.125%
HK$8,014
baseline
▲ 0.50% · 4.625%
HK$8,436
+HK$422/mo
Deposit HK$999K · loan HK$1.50M · min. income ≈ HK$16,028/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$7,973
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,221
−HK$252/mo
Today · 4.125%
HK$8,473
baseline
▲ 0.50% · 4.625%
HK$8,989
+HK$516/mo
Deposit HK$749K · loan HK$1.75M · min. income ≈ HK$16,946/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$8,870
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,108
−HK$241/mo
Today · 4.125%
HK$9,349
baseline
▲ 0.50% · 4.625%
HK$9,842
+HK$493/mo
Deposit HK$749K · loan HK$1.75M · min. income ≈ HK$18,698/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$10,251
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,570
−HK$324/mo
Today · 4.125%
HK$10,894
baseline
▲ 0.50% · 4.625%
HK$11,557
+HK$663/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,788/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$11,404
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,710
−HK$310/mo
Today · 4.125%
HK$12,020
baseline
▲ 0.50% · 4.625%
HK$12,654
+HK$634/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,040/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).