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$6,858
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,071
−HK$217/mo
Today · 4.125%
HK$7,288
baseline
▲ 0.50% · 4.625%
HK$7,731
+HK$443/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,576/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$7,629
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,834
−HK$207/mo
Today · 4.125%
HK$8,041
baseline
▲ 0.50% · 4.625%
HK$8,465
+HK$424/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,082/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$8,229
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,485
−HK$260/mo
Today · 4.125%
HK$8,745
baseline
▲ 0.50% · 4.625%
HK$9,277
+HK$532/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,490/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$9,155
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,400
−HK$249/mo
Today · 4.125%
HK$9,649
baseline
▲ 0.50% · 4.625%
HK$10,158
+HK$509/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,298/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$9,601
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,899
−HK$304/mo
Today · 4.125%
HK$10,203
baseline
▲ 0.50% · 4.625%
HK$10,823
+HK$620/mo
Deposit HK$902K · loan HK$2.11M · min. income ≈ HK$20,406/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,680
−HK$578/mo
▼ 0.25% · 3.875%
HK$10,967
−HK$291/mo
Today · 4.125%
HK$11,258
baseline
▲ 0.50% · 4.625%
HK$11,851
+HK$593/mo
Deposit HK$902K · loan HK$2.11M · min. income ≈ HK$22,516/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,344
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,727
−HK$391/mo
Today · 4.125%
HK$13,118
baseline
▲ 0.50% · 4.625%
HK$13,916
+HK$798/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,236/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$13,732
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,100
−HK$374/mo
Today · 4.125%
HK$14,474
baseline
▲ 0.50% · 4.625%
HK$15,237
+HK$763/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$28,948/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).