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$5,713
−HK$358/mo
▼ 0.25% · 3.875%
HK$5,891
−HK$180/mo
Today · 4.125%
HK$6,071
baseline
▲ 0.50% · 4.625%
HK$6,441
+HK$370/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$12,142/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$6,355
−HK$344/mo
▼ 0.25% · 3.875%
HK$6,526
−HK$173/mo
Today · 4.125%
HK$6,699
baseline
▲ 0.50% · 4.625%
HK$7,052
+HK$353/mo
Deposit HK$1.25M · loan HK$1.25M · min. income ≈ HK$13,398/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$6,855
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,069
−HK$216/mo
Today · 4.125%
HK$7,285
baseline
▲ 0.50% · 4.625%
HK$7,729
+HK$444/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$14,570/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$7,627
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,831
−HK$208/mo
Today · 4.125%
HK$8,039
baseline
▲ 0.50% · 4.625%
HK$8,462
+HK$423/mo
Deposit HK$1.00M · loan HK$1.50M · min. income ≈ HK$16,078/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$7,998
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,247
−HK$253/mo
Today · 4.125%
HK$8,500
baseline
▲ 0.50% · 4.625%
HK$9,017
+HK$517/mo
Deposit HK$752K · loan HK$1.75M · min. income ≈ HK$17,000/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$8,898
−HK$480/mo
▼ 0.25% · 3.875%
HK$9,136
−HK$242/mo
Today · 4.125%
HK$9,378
baseline
▲ 0.50% · 4.625%
HK$9,873
+HK$495/mo
Deposit HK$752K · loan HK$1.75M · min. income ≈ HK$18,756/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$10,283
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,603
−HK$325/mo
Today · 4.125%
HK$10,928
baseline
▲ 0.50% · 4.625%
HK$11,593
+HK$665/mo
Deposit HK$251K · loan HK$2.25M · min. income ≈ HK$21,856/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$11,440
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,747
−HK$311/mo
Today · 4.125%
HK$12,058
baseline
▲ 0.50% · 4.625%
HK$12,694
+HK$636/mo
Deposit HK$251K · loan HK$2.25M · min. income ≈ HK$24,116/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).