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$6,825
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,037
−HK$216/mo
Today · 4.125%
HK$7,253
baseline
▲ 0.50% · 4.625%
HK$7,694
+HK$441/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,506/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$7,592
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,796
−HK$207/mo
Today · 4.125%
HK$8,003
baseline
▲ 0.50% · 4.625%
HK$8,424
+HK$421/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,006/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$8,190
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,444
−HK$259/mo
Today · 4.125%
HK$8,703
baseline
▲ 0.50% · 4.625%
HK$9,233
+HK$530/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,406/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$9,111
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,355
−HK$248/mo
Today · 4.125%
HK$9,603
baseline
▲ 0.50% · 4.625%
HK$10,109
+HK$506/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,206/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$9,555
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,852
−HK$302/mo
Today · 4.125%
HK$10,154
baseline
▲ 0.50% · 4.625%
HK$10,772
+HK$618/mo
Deposit HK$898K · loan HK$2.10M · min. income ≈ HK$20,308/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$10,629
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,915
−HK$289/mo
Today · 4.125%
HK$11,204
baseline
▲ 0.50% · 4.625%
HK$11,794
+HK$590/mo
Deposit HK$898K · loan HK$2.10M · min. income ≈ HK$22,408/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$12,285
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,667
−HK$388/mo
Today · 4.125%
HK$13,055
baseline
▲ 0.50% · 4.625%
HK$13,849
+HK$794/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,110/mo (50% DSR)
Upfront cash ≈ HK$299K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,666
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,033
−HK$372/mo
Today · 4.125%
HK$14,405
baseline
▲ 0.50% · 4.625%
HK$15,164
+HK$759/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,810/mo (50% DSR)
Upfront cash ≈ HK$299K (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).