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$5,715
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,893
−HK$180/mo
Today · 4.125%
HK$6,073
baseline
▲ 0.50% · 4.625%
HK$6,443
+HK$370/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$6,358
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,528
−HK$173/mo
Today · 4.125%
HK$6,701
baseline
▲ 0.50% · 4.625%
HK$7,055
+HK$354/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,402/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$6,858
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,071
−HK$217/mo
Today · 4.125%
HK$7,288
baseline
▲ 0.50% · 4.625%
HK$7,731
+HK$443/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,576/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$7,629
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,834
−HK$208/mo
Today · 4.125%
HK$8,042
baseline
▲ 0.50% · 4.625%
HK$8,465
+HK$423/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,084/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$8,001
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,250
−HK$253/mo
Today · 4.125%
HK$8,503
baseline
▲ 0.50% · 4.625%
HK$9,020
+HK$517/mo
Deposit HK$752K · loan HK$1.75M · min. income ≈ HK$17,006/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$8,901
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,140
−HK$242/mo
Today · 4.125%
HK$9,382
baseline
▲ 0.50% · 4.625%
HK$9,876
+HK$494/mo
Deposit HK$752K · loan HK$1.75M · min. income ≈ HK$18,764/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$10,287
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,607
−HK$325/mo
Today · 4.125%
HK$10,932
baseline
▲ 0.50% · 4.625%
HK$11,597
+HK$665/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$21,864/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$11,444
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,751
−HK$311/mo
Today · 4.125%
HK$12,062
baseline
▲ 0.50% · 4.625%
HK$12,698
+HK$636/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$24,124/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).