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$5,710
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,888
−HK$180/mo
Today · 4.125%
HK$6,068
baseline
▲ 0.50% · 4.625%
HK$6,437
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,136/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$6,352
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,523
−HK$173/mo
Today · 4.125%
HK$6,696
baseline
▲ 0.50% · 4.625%
HK$7,048
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,392/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$6,852
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,065
−HK$217/mo
Today · 4.125%
HK$7,282
baseline
▲ 0.50% · 4.625%
HK$7,725
+HK$443/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,564/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$7,623
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,827
−HK$208/mo
Today · 4.125%
HK$8,035
baseline
▲ 0.50% · 4.625%
HK$8,458
+HK$423/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,070/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$7,994
−HK$501/mo
▼ 0.25% · 3.875%
HK$8,243
−HK$252/mo
Today · 4.125%
HK$8,495
baseline
▲ 0.50% · 4.625%
HK$9,012
+HK$517/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$16,990/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$8,893
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,132
−HK$242/mo
Today · 4.125%
HK$9,374
baseline
▲ 0.50% · 4.625%
HK$9,868
+HK$494/mo
Deposit HK$751K · loan HK$1.75M · min. income ≈ HK$18,748/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$10,278
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,598
−HK$325/mo
Today · 4.125%
HK$10,923
baseline
▲ 0.50% · 4.625%
HK$11,587
+HK$664/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,846/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$11,434
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,741
−HK$311/mo
Today · 4.125%
HK$12,052
baseline
▲ 0.50% · 4.625%
HK$12,687
+HK$635/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,104/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).