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$5,722
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,900
−HK$180/mo
Today · 4.125%
HK$6,080
baseline
▲ 0.50% · 4.625%
HK$6,450
+HK$370/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,160/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$6,365
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,536
−HK$173/mo
Today · 4.125%
HK$6,709
baseline
▲ 0.50% · 4.625%
HK$7,063
+HK$354/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,418/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$6,866
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,080
−HK$217/mo
Today · 4.125%
HK$7,297
baseline
▲ 0.50% · 4.625%
HK$7,741
+HK$444/mo
Deposit HK$1.00M · loan HK$1.51M · min. income ≈ HK$14,594/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$7,638
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,843
−HK$208/mo
Today · 4.125%
HK$8,051
baseline
▲ 0.50% · 4.625%
HK$8,475
+HK$424/mo
Deposit HK$1.00M · loan HK$1.51M · min. income ≈ HK$16,102/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$8,010
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,259
−HK$254/mo
Today · 4.125%
HK$8,513
baseline
▲ 0.50% · 4.625%
HK$9,031
+HK$518/mo
Deposit HK$753K · loan HK$1.76M · min. income ≈ HK$17,026/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,911
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,150
−HK$243/mo
Today · 4.125%
HK$9,393
baseline
▲ 0.50% · 4.625%
HK$9,888
+HK$495/mo
Deposit HK$753K · loan HK$1.76M · min. income ≈ HK$18,786/mo (50% DSR)
Upfront cash ≈ HK$753K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,299
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,619
−HK$326/mo
Today · 4.125%
HK$10,945
baseline
▲ 0.50% · 4.625%
HK$11,611
+HK$666/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$21,890/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$11,458
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,765
−HK$312/mo
Today · 4.125%
HK$12,077
baseline
▲ 0.50% · 4.625%
HK$12,713
+HK$636/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$24,154/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).