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$6,834
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,047
−HK$216/mo
Today · 4.125%
HK$7,263
baseline
▲ 0.50% · 4.625%
HK$7,705
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,526/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$7,603
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,807
−HK$207/mo
Today · 4.125%
HK$8,014
baseline
▲ 0.50% · 4.625%
HK$8,436
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,028/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$8,201
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,456
−HK$259/mo
Today · 4.125%
HK$8,715
baseline
▲ 0.50% · 4.625%
HK$9,246
+HK$531/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,430/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$9,123
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,368
−HK$248/mo
Today · 4.125%
HK$9,616
baseline
▲ 0.50% · 4.625%
HK$10,123
+HK$507/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,232/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$9,568
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,865
−HK$303/mo
Today · 4.125%
HK$10,168
baseline
▲ 0.50% · 4.625%
HK$10,786
+HK$618/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$20,336/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$10,644
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,930
−HK$289/mo
Today · 4.125%
HK$11,219
baseline
▲ 0.50% · 4.625%
HK$11,811
+HK$592/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$22,438/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$12,301
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,684
−HK$389/mo
Today · 4.125%
HK$13,073
baseline
▲ 0.50% · 4.625%
HK$13,868
+HK$795/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,146/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$13,685
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,052
−HK$373/mo
Today · 4.125%
HK$14,425
baseline
▲ 0.50% · 4.625%
HK$15,185
+HK$760/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,850/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).