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$6,859
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,073
−HK$217/mo
Today · 4.125%
HK$7,290
baseline
▲ 0.50% · 4.625%
HK$7,733
+HK$443/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,580/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$7,631
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,836
−HK$207/mo
Today · 4.125%
HK$8,043
baseline
▲ 0.50% · 4.625%
HK$8,467
+HK$424/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,086/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$8,231
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,487
−HK$260/mo
Today · 4.125%
HK$8,747
baseline
▲ 0.50% · 4.625%
HK$9,280
+HK$533/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,494/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$9,157
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,403
−HK$249/mo
Today · 4.125%
HK$9,652
baseline
▲ 0.50% · 4.625%
HK$10,161
+HK$509/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,304/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$9,603
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,902
−HK$303/mo
Today · 4.125%
HK$10,205
baseline
▲ 0.50% · 4.625%
HK$10,826
+HK$621/mo
Deposit HK$902K · loan HK$2.11M · min. income ≈ HK$20,410/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,683
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,970
−HK$291/mo
Today · 4.125%
HK$11,261
baseline
▲ 0.50% · 4.625%
HK$11,854
+HK$593/mo
Deposit HK$902K · loan HK$2.11M · min. income ≈ HK$22,522/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,347
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,731
−HK$390/mo
Today · 4.125%
HK$13,121
baseline
▲ 0.50% · 4.625%
HK$13,920
+HK$799/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,242/mo (50% DSR)
Upfront cash ≈ HK$301K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,736
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,104
−HK$374/mo
Today · 4.125%
HK$14,478
baseline
▲ 0.50% · 4.625%
HK$15,241
+HK$763/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$28,956/mo (50% DSR)
Upfront cash ≈ HK$301K (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).