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$6,828
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,041
−HK$216/mo
Today · 4.125%
HK$7,257
baseline
▲ 0.50% · 4.625%
HK$7,698
+HK$441/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,514/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$7,597
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,800
−HK$207/mo
Today · 4.125%
HK$8,007
baseline
▲ 0.50% · 4.625%
HK$8,429
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,014/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$8,194
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,449
−HK$259/mo
Today · 4.125%
HK$8,708
baseline
▲ 0.50% · 4.625%
HK$9,238
+HK$530/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,416/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$9,116
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,360
−HK$248/mo
Today · 4.125%
HK$9,608
baseline
▲ 0.50% · 4.625%
HK$10,115
+HK$507/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,216/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$9,560
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,857
−HK$302/mo
Today · 4.125%
HK$10,159
baseline
▲ 0.50% · 4.625%
HK$10,777
+HK$618/mo
Deposit HK$898K · loan HK$2.10M · min. income ≈ HK$20,318/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$10,635
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,920
−HK$290/mo
Today · 4.125%
HK$11,210
baseline
▲ 0.50% · 4.625%
HK$11,801
+HK$591/mo
Deposit HK$898K · loan HK$2.10M · min. income ≈ HK$22,420/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$12,291
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,673
−HK$389/mo
Today · 4.125%
HK$13,062
baseline
▲ 0.50% · 4.625%
HK$13,857
+HK$795/mo
Deposit HK$299K · loan HK$2.70M · min. income ≈ HK$26,124/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$13,674
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,040
−HK$373/mo
Today · 4.125%
HK$14,413
baseline
▲ 0.50% · 4.625%
HK$15,172
+HK$759/mo
Deposit HK$299K · loan HK$2.70M · min. income ≈ HK$28,826/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).