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$5,714
−HK$359/mo
▼ 0.25% · 3.875%
HK$5,892
−HK$181/mo
Today · 4.125%
HK$6,073
baseline
▲ 0.50% · 4.625%
HK$6,442
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,146/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$6,357
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,528
−HK$172/mo
Today · 4.125%
HK$6,700
baseline
▲ 0.50% · 4.625%
HK$7,054
+HK$354/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,400/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$6,857
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,070
−HK$217/mo
Today · 4.125%
HK$7,287
baseline
▲ 0.50% · 4.625%
HK$7,730
+HK$443/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,574/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$7,628
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,833
−HK$208/mo
Today · 4.125%
HK$8,041
baseline
▲ 0.50% · 4.625%
HK$8,464
+HK$423/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,082/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$8,000
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,249
−HK$253/mo
Today · 4.125%
HK$8,502
baseline
▲ 0.50% · 4.625%
HK$9,019
+HK$517/mo
Deposit HK$752K · loan HK$1.75M · min. income ≈ HK$17,004/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$8,900
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,139
−HK$242/mo
Today · 4.125%
HK$9,381
baseline
▲ 0.50% · 4.625%
HK$9,875
+HK$494/mo
Deposit HK$752K · loan HK$1.75M · min. income ≈ HK$18,762/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$10,286
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,606
−HK$325/mo
Today · 4.125%
HK$10,931
baseline
▲ 0.50% · 4.625%
HK$11,596
+HK$665/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$21,862/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$11,443
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,750
−HK$311/mo
Today · 4.125%
HK$12,061
baseline
▲ 0.50% · 4.625%
HK$12,697
+HK$636/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$24,122/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).