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$6,836
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,048
−HK$216/mo
Today · 4.125%
HK$7,264
baseline
▲ 0.50% · 4.625%
HK$7,706
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,528/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$7,604
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,808
−HK$207/mo
Today · 4.125%
HK$8,015
baseline
▲ 0.50% · 4.625%
HK$8,438
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,030/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$8,203
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,458
−HK$259/mo
Today · 4.125%
HK$8,717
baseline
▲ 0.50% · 4.625%
HK$9,247
+HK$530/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,434/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$9,125
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,370
−HK$248/mo
Today · 4.125%
HK$9,618
baseline
▲ 0.50% · 4.625%
HK$10,125
+HK$507/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,236/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$9,570
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,867
−HK$303/mo
Today · 4.125%
HK$10,170
baseline
▲ 0.50% · 4.625%
HK$10,789
+HK$619/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$20,340/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,646
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,932
−HK$289/mo
Today · 4.125%
HK$11,221
baseline
▲ 0.50% · 4.625%
HK$11,813
+HK$592/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$22,442/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,304
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,687
−HK$389/mo
Today · 4.125%
HK$13,076
baseline
▲ 0.50% · 4.625%
HK$13,871
+HK$795/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,152/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$13,688
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,055
−HK$373/mo
Today · 4.125%
HK$14,428
baseline
▲ 0.50% · 4.625%
HK$15,188
+HK$760/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,856/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).