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$5,703
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,881
−HK$180/mo
Today · 4.125%
HK$6,061
baseline
▲ 0.50% · 4.625%
HK$6,430
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,122/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$6,345
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,515
−HK$172/mo
Today · 4.125%
HK$6,687
baseline
▲ 0.50% · 4.625%
HK$7,040
+HK$353/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,374/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$6,844
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,057
−HK$216/mo
Today · 4.125%
HK$7,273
baseline
▲ 0.50% · 4.625%
HK$7,715
+HK$442/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,546/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$7,614
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,818
−HK$207/mo
Today · 4.125%
HK$8,025
baseline
▲ 0.50% · 4.625%
HK$8,448
+HK$423/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,050/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$7,984
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,233
−HK$252/mo
Today · 4.125%
HK$8,485
baseline
▲ 0.50% · 4.625%
HK$9,001
+HK$516/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$16,970/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$8,883
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,121
−HK$241/mo
Today · 4.125%
HK$9,362
baseline
▲ 0.50% · 4.625%
HK$9,856
+HK$494/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$18,724/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$10,266
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,585
−HK$324/mo
Today · 4.125%
HK$10,909
baseline
▲ 0.50% · 4.625%
HK$11,573
+HK$664/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,818/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$11,420
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,727
−HK$310/mo
Today · 4.125%
HK$12,037
baseline
▲ 0.50% · 4.625%
HK$12,672
+HK$635/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,074/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).