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$5,709
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,886
−HK$181/mo
Today · 4.125%
HK$6,067
baseline
▲ 0.50% · 4.625%
HK$6,436
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,134/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$6,351
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,521
−HK$173/mo
Today · 4.125%
HK$6,694
baseline
▲ 0.50% · 4.625%
HK$7,047
+HK$353/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,388/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$6,851
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,064
−HK$216/mo
Today · 4.125%
HK$7,280
baseline
▲ 0.50% · 4.625%
HK$7,723
+HK$443/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,560/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$7,621
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,826
−HK$207/mo
Today · 4.125%
HK$8,033
baseline
▲ 0.50% · 4.625%
HK$8,456
+HK$423/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,066/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$7,992
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,241
−HK$253/mo
Today · 4.125%
HK$8,494
baseline
▲ 0.50% · 4.625%
HK$9,010
+HK$516/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$16,988/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,891
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,130
−HK$242/mo
Today · 4.125%
HK$9,372
baseline
▲ 0.50% · 4.625%
HK$9,866
+HK$494/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$18,744/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,276
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,595
−HK$325/mo
Today · 4.125%
HK$10,920
baseline
▲ 0.50% · 4.625%
HK$11,585
+HK$665/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,840/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$11,432
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,738
−HK$311/mo
Today · 4.125%
HK$12,049
baseline
▲ 0.50% · 4.625%
HK$12,685
+HK$636/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,098/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).