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$6,863
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,076
−HK$217/mo
Today · 4.125%
HK$7,293
baseline
▲ 0.50% · 4.625%
HK$7,737
+HK$444/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,586/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$7,635
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,840
−HK$207/mo
Today · 4.125%
HK$8,047
baseline
▲ 0.50% · 4.625%
HK$8,472
+HK$425/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,094/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$8,235
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,492
−HK$260/mo
Today · 4.125%
HK$8,752
baseline
▲ 0.50% · 4.625%
HK$9,284
+HK$532/mo
Deposit HK$1.20M · loan HK$1.81M · min. income ≈ HK$17,504/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$9,162
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,408
−HK$249/mo
Today · 4.125%
HK$9,657
baseline
▲ 0.50% · 4.625%
HK$10,166
+HK$509/mo
Deposit HK$1.20M · loan HK$1.81M · min. income ≈ HK$19,314/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$9,608
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,907
−HK$303/mo
Today · 4.125%
HK$10,210
baseline
▲ 0.50% · 4.625%
HK$10,832
+HK$622/mo
Deposit HK$903K · loan HK$2.11M · min. income ≈ HK$20,420/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,689
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,975
−HK$291/mo
Today · 4.125%
HK$11,266
baseline
▲ 0.50% · 4.625%
HK$11,860
+HK$594/mo
Deposit HK$903K · loan HK$2.11M · min. income ≈ HK$22,532/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,353
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,737
−HK$391/mo
Today · 4.125%
HK$13,128
baseline
▲ 0.50% · 4.625%
HK$13,927
+HK$799/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,256/mo (50% DSR)
Upfront cash ≈ HK$301K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,743
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,111
−HK$374/mo
Today · 4.125%
HK$14,485
baseline
▲ 0.50% · 4.625%
HK$15,249
+HK$764/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$28,970/mo (50% DSR)
Upfront cash ≈ HK$301K (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).