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$6,838
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,051
−HK$216/mo
Today · 4.125%
HK$7,267
baseline
▲ 0.50% · 4.625%
HK$7,709
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,534/mo (50% DSR)
Upfront cash ≈ HK$1.50M (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$8,441
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,036/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,205
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,461
−HK$259/mo
Today · 4.125%
HK$8,720
baseline
▲ 0.50% · 4.625%
HK$9,251
+HK$531/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,440/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,128
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,373
−HK$249/mo
Today · 4.125%
HK$9,622
baseline
▲ 0.50% · 4.625%
HK$10,129
+HK$507/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,244/mo (50% DSR)
Upfront cash ≈ HK$1.20M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,573
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,871
−HK$302/mo
Today · 4.125%
HK$10,173
baseline
▲ 0.50% · 4.625%
HK$10,792
+HK$619/mo
Deposit HK$900K · loan HK$2.10M · min. income ≈ HK$20,346/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,650
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,935
−HK$290/mo
Today · 4.125%
HK$11,225
baseline
▲ 0.50% · 4.625%
HK$11,817
+HK$592/mo
Deposit HK$900K · loan HK$2.10M · min. income ≈ HK$22,450/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,308
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,691
−HK$389/mo
Today · 4.125%
HK$13,080
baseline
▲ 0.50% · 4.625%
HK$13,876
+HK$796/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,160/mo (50% DSR)
Upfront cash ≈ HK$300K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,693
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,060
−HK$372/mo
Today · 4.125%
HK$14,432
baseline
▲ 0.50% · 4.625%
HK$15,193
+HK$761/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,864/mo (50% DSR)
Upfront cash ≈ HK$300K (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).