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$5,698
−HK$357/mo
▼ 0.25% · 3.875%
HK$5,875
−HK$180/mo
Today · 4.125%
HK$6,055
baseline
▲ 0.50% · 4.625%
HK$6,424
+HK$369/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,110/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$6,339
−HK$342/mo
▼ 0.25% · 3.875%
HK$6,509
−HK$172/mo
Today · 4.125%
HK$6,681
baseline
▲ 0.50% · 4.625%
HK$7,034
+HK$353/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,362/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$6,838
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,050
−HK$216/mo
Today · 4.125%
HK$7,266
baseline
▲ 0.50% · 4.625%
HK$7,708
+HK$442/mo
Deposit HK$1000K · loan HK$1.50M · min. income ≈ HK$14,532/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,607
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,811
−HK$207/mo
Today · 4.125%
HK$8,018
baseline
▲ 0.50% · 4.625%
HK$8,440
+HK$422/mo
Deposit HK$1000K · loan HK$1.50M · min. income ≈ HK$16,036/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,977
−HK$500/mo
▼ 0.25% · 3.875%
HK$8,225
−HK$252/mo
Today · 4.125%
HK$8,477
baseline
▲ 0.50% · 4.625%
HK$8,993
+HK$516/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$16,954/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,874
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,112
−HK$242/mo
Today · 4.125%
HK$9,354
baseline
▲ 0.50% · 4.625%
HK$9,847
+HK$493/mo
Deposit HK$750K · loan HK$1.75M · min. income ≈ HK$18,708/mo (50% DSR)
Upfront cash ≈ HK$750K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,256
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,575
−HK$324/mo
Today · 4.125%
HK$10,899
baseline
▲ 0.50% · 4.625%
HK$11,563
+HK$664/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$21,798/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$11,410
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,716
−HK$310/mo
Today · 4.125%
HK$12,026
baseline
▲ 0.50% · 4.625%
HK$12,660
+HK$634/mo
Deposit HK$250K · loan HK$2.25M · min. income ≈ HK$24,052/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).