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$358/mo
▼ 0.25% · 3.875%
HK$5,892
−HK$180/mo
Today · 4.125%
HK$6,072
baseline
▲ 0.50% · 4.625%
HK$6,442
+HK$370/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,144/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$6,527
−HK$173/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$412/mo
▼ 0.25% · 3.875%
HK$7,833
−HK$207/mo
Today · 4.125%
HK$8,040
baseline
▲ 0.50% · 4.625%
HK$8,464
+HK$424/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,080/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$501/mo
▼ 0.25% · 3.875%
HK$8,249
−HK$252/mo
Today · 4.125%
HK$8,501
baseline
▲ 0.50% · 4.625%
HK$9,019
+HK$518/mo
Deposit HK$752K · loan HK$1.75M · min. income ≈ HK$17,002/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$9,138
−HK$243/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$10,285
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,605
−HK$325/mo
Today · 4.125%
HK$10,930
baseline
▲ 0.50% · 4.625%
HK$11,596
+HK$666/mo
Deposit HK$251K · loan HK$2.26M · min. income ≈ HK$21,860/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$11,442
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,749
−HK$312/mo
Today · 4.125%
HK$12,061
baseline
▲ 0.50% · 4.625%
HK$12,696
+HK$635/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).