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$6,842
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,055
−HK$216/mo
Today · 4.125%
HK$7,271
baseline
▲ 0.50% · 4.625%
HK$7,714
+HK$443/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,542/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$7,612
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,816
−HK$207/mo
Today · 4.125%
HK$8,023
baseline
▲ 0.50% · 4.625%
HK$8,446
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,046/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$8,211
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,466
−HK$259/mo
Today · 4.125%
HK$8,725
baseline
▲ 0.50% · 4.625%
HK$9,256
+HK$531/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,450/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$9,134
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,379
−HK$249/mo
Today · 4.125%
HK$9,628
baseline
▲ 0.50% · 4.625%
HK$10,135
+HK$507/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,256/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$9,579
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,877
−HK$303/mo
Today · 4.125%
HK$10,180
baseline
▲ 0.50% · 4.625%
HK$10,799
+HK$619/mo
Deposit HK$900K · loan HK$2.10M · min. income ≈ HK$20,360/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,656
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,942
−HK$290/mo
Today · 4.125%
HK$11,232
baseline
▲ 0.50% · 4.625%
HK$11,824
+HK$592/mo
Deposit HK$900K · loan HK$2.10M · min. income ≈ HK$22,464/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,316
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,699
−HK$389/mo
Today · 4.125%
HK$13,088
baseline
▲ 0.50% · 4.625%
HK$13,884
+HK$796/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,176/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$13,701
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,069
−HK$372/mo
Today · 4.125%
HK$14,441
baseline
▲ 0.50% · 4.625%
HK$15,203
+HK$762/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,882/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).