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$5,711
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,889
−HK$180/mo
Today · 4.125%
HK$6,069
baseline
▲ 0.50% · 4.625%
HK$6,439
+HK$370/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,138/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$6,354
−HK$343/mo
▼ 0.25% · 3.875%
HK$6,524
−HK$173/mo
Today · 4.125%
HK$6,697
baseline
▲ 0.50% · 4.625%
HK$7,050
+HK$353/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,394/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$6,853
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,067
−HK$216/mo
Today · 4.125%
HK$7,283
baseline
▲ 0.50% · 4.625%
HK$7,726
+HK$443/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,566/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$7,624
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,829
−HK$207/mo
Today · 4.125%
HK$8,036
baseline
▲ 0.50% · 4.625%
HK$8,460
+HK$424/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,072/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$7,996
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,244
−HK$253/mo
Today · 4.125%
HK$8,497
baseline
▲ 0.50% · 4.625%
HK$9,014
+HK$517/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$16,994/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,895
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,134
−HK$242/mo
Today · 4.125%
HK$9,376
baseline
▲ 0.50% · 4.625%
HK$9,870
+HK$494/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$18,752/mo (50% DSR)
Upfront cash ≈ HK$751K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,280
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,600
−HK$325/mo
Today · 4.125%
HK$10,925
baseline
▲ 0.50% · 4.625%
HK$11,590
+HK$665/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,850/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$11,437
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,743
−HK$311/mo
Today · 4.125%
HK$12,054
baseline
▲ 0.50% · 4.625%
HK$12,690
+HK$636/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,108/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).