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$6,827
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,040
−HK$216/mo
Today · 4.125%
HK$7,256
baseline
▲ 0.50% · 4.625%
HK$7,697
+HK$441/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,512/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$7,595
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,799
−HK$207/mo
Today · 4.125%
HK$8,006
baseline
▲ 0.50% · 4.625%
HK$8,428
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,012/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$8,193
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,448
−HK$259/mo
Today · 4.125%
HK$8,707
baseline
▲ 0.50% · 4.625%
HK$9,236
+HK$529/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,414/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$9,114
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,359
−HK$248/mo
Today · 4.125%
HK$9,607
baseline
▲ 0.50% · 4.625%
HK$10,113
+HK$506/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,214/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$9,558
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,856
−HK$302/mo
Today · 4.125%
HK$10,158
baseline
▲ 0.50% · 4.625%
HK$10,776
+HK$618/mo
Deposit HK$898K · loan HK$2.10M · min. income ≈ HK$20,316/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,634
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,919
−HK$289/mo
Today · 4.125%
HK$11,208
baseline
▲ 0.50% · 4.625%
HK$11,799
+HK$591/mo
Deposit HK$898K · loan HK$2.10M · min. income ≈ HK$22,416/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,289
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,672
−HK$388/mo
Today · 4.125%
HK$13,060
baseline
▲ 0.50% · 4.625%
HK$13,855
+HK$795/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,120/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$13,672
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,038
−HK$372/mo
Today · 4.125%
HK$14,410
baseline
▲ 0.50% · 4.625%
HK$15,170
+HK$760/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,820/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).