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$5,695
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,872
−HK$180/mo
Today · 4.125%
HK$6,052
baseline
▲ 0.50% · 4.625%
HK$6,420
+HK$368/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,104/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$6,335
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,505
−HK$172/mo
Today · 4.125%
HK$6,677
baseline
▲ 0.50% · 4.625%
HK$7,029
+HK$352/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,354/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$6,834
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,046
−HK$216/mo
Today · 4.125%
HK$7,262
baseline
▲ 0.50% · 4.625%
HK$7,704
+HK$442/mo
Deposit HK$999K · loan HK$1.50M · min. income ≈ HK$14,524/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,602
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,806
−HK$207/mo
Today · 4.125%
HK$8,013
baseline
▲ 0.50% · 4.625%
HK$8,435
+HK$422/mo
Deposit HK$999K · loan HK$1.50M · min. income ≈ HK$16,026/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,972
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,220
−HK$252/mo
Today · 4.125%
HK$8,472
baseline
▲ 0.50% · 4.625%
HK$8,988
+HK$516/mo
Deposit HK$749K · loan HK$1.75M · min. income ≈ HK$16,944/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,869
−HK$479/mo
▼ 0.25% · 3.875%
HK$9,107
−HK$241/mo
Today · 4.125%
HK$9,348
baseline
▲ 0.50% · 4.625%
HK$9,841
+HK$493/mo
Deposit HK$749K · loan HK$1.75M · min. income ≈ HK$18,696/mo (50% DSR)
Upfront cash ≈ HK$749K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,250
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,569
−HK$324/mo
Today · 4.125%
HK$10,893
baseline
▲ 0.50% · 4.625%
HK$11,556
+HK$663/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,786/mo (50% DSR)
Upfront cash ≈ HK$250K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,403
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,709
−HK$310/mo
Today · 4.125%
HK$12,019
baseline
▲ 0.50% · 4.625%
HK$12,653
+HK$634/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,038/mo (50% DSR)
Upfront cash ≈ HK$250K (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).