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$6,833
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,046
−HK$216/mo
Today · 4.125%
HK$7,262
baseline
▲ 0.50% · 4.625%
HK$7,704
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,524/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$7,602
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,806
−HK$207/mo
Today · 4.125%
HK$8,013
baseline
▲ 0.50% · 4.625%
HK$8,435
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,026/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$8,200
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,455
−HK$259/mo
Today · 4.125%
HK$8,714
baseline
▲ 0.50% · 4.625%
HK$9,244
+HK$530/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,428/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$9,122
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,367
−HK$248/mo
Today · 4.125%
HK$9,615
baseline
▲ 0.50% · 4.625%
HK$10,122
+HK$507/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,230/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$9,566
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,864
−HK$302/mo
Today · 4.125%
HK$10,166
baseline
▲ 0.50% · 4.625%
HK$10,785
+HK$619/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$20,332/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$10,643
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,928
−HK$290/mo
Today · 4.125%
HK$11,218
baseline
▲ 0.50% · 4.625%
HK$11,809
+HK$591/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$22,436/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$12,300
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,682
−HK$389/mo
Today · 4.125%
HK$13,071
baseline
▲ 0.50% · 4.625%
HK$13,866
+HK$795/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,142/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$13,683
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,050
−HK$373/mo
Today · 4.125%
HK$14,423
baseline
▲ 0.50% · 4.625%
HK$15,183
+HK$760/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,846/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).