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$6,830
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,042
−HK$216/mo
Today · 4.125%
HK$7,258
baseline
▲ 0.50% · 4.625%
HK$7,700
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,516/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$7,598
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,802
−HK$207/mo
Today · 4.125%
HK$8,009
baseline
▲ 0.50% · 4.625%
HK$8,431
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,018/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$8,196
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,451
−HK$259/mo
Today · 4.125%
HK$8,710
baseline
▲ 0.50% · 4.625%
HK$9,240
+HK$530/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,420/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$9,118
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,363
−HK$248/mo
Today · 4.125%
HK$9,611
baseline
▲ 0.50% · 4.625%
HK$10,117
+HK$506/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,222/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$9,562
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,859
−HK$303/mo
Today · 4.125%
HK$10,162
baseline
▲ 0.50% · 4.625%
HK$10,780
+HK$618/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$20,324/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,638
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,923
−HK$289/mo
Today · 4.125%
HK$11,212
baseline
▲ 0.50% · 4.625%
HK$11,803
+HK$591/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$22,424/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,294
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,676
−HK$389/mo
Today · 4.125%
HK$13,065
baseline
▲ 0.50% · 4.625%
HK$13,860
+HK$795/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,130/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$13,677
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,044
−HK$372/mo
Today · 4.125%
HK$14,416
baseline
▲ 0.50% · 4.625%
HK$15,176
+HK$760/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,832/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).