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$6,848
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,061
−HK$217/mo
Today · 4.125%
HK$7,278
baseline
▲ 0.50% · 4.625%
HK$7,720
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,556/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$7,618
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,823
−HK$207/mo
Today · 4.125%
HK$8,030
baseline
▲ 0.50% · 4.625%
HK$8,453
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,060/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$8,218
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,473
−HK$260/mo
Today · 4.125%
HK$8,733
baseline
▲ 0.50% · 4.625%
HK$9,264
+HK$531/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,466/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$9,142
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,387
−HK$249/mo
Today · 4.125%
HK$9,636
baseline
▲ 0.50% · 4.625%
HK$10,144
+HK$508/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,272/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$9,587
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,886
−HK$303/mo
Today · 4.125%
HK$10,189
baseline
▲ 0.50% · 4.625%
HK$10,808
+HK$619/mo
Deposit HK$901K · loan HK$2.10M · min. income ≈ HK$20,378/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,666
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,952
−HK$290/mo
Today · 4.125%
HK$11,242
baseline
▲ 0.50% · 4.625%
HK$11,835
+HK$593/mo
Deposit HK$901K · loan HK$2.10M · min. income ≈ HK$22,484/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,327
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,710
−HK$390/mo
Today · 4.125%
HK$13,100
baseline
▲ 0.50% · 4.625%
HK$13,897
+HK$797/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,200/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$13,713
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,081
−HK$373/mo
Today · 4.125%
HK$14,454
baseline
▲ 0.50% · 4.625%
HK$15,216
+HK$762/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,908/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).