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$6,839
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,051
−HK$216/mo
Today · 4.125%
HK$7,267
baseline
▲ 0.50% · 4.625%
HK$7,710
+HK$443/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,534/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$7,608
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,812
−HK$207/mo
Today · 4.125%
HK$8,019
baseline
▲ 0.50% · 4.625%
HK$8,442
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,038/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$8,206
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,462
−HK$259/mo
Today · 4.125%
HK$8,721
baseline
▲ 0.50% · 4.625%
HK$9,252
+HK$531/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,442/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$9,129
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,374
−HK$249/mo
Today · 4.125%
HK$9,623
baseline
▲ 0.50% · 4.625%
HK$10,130
+HK$507/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,246/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$9,574
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,872
−HK$302/mo
Today · 4.125%
HK$10,174
baseline
▲ 0.50% · 4.625%
HK$10,793
+HK$619/mo
Deposit HK$900K · loan HK$2.10M · min. income ≈ HK$20,348/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$10,651
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,937
−HK$289/mo
Today · 4.125%
HK$11,226
baseline
▲ 0.50% · 4.625%
HK$11,818
+HK$592/mo
Deposit HK$900K · loan HK$2.10M · min. income ≈ HK$22,452/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$12,309
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,692
−HK$389/mo
Today · 4.125%
HK$13,081
baseline
▲ 0.50% · 4.625%
HK$13,877
+HK$796/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,162/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$13,694
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,061
−HK$373/mo
Today · 4.125%
HK$14,434
baseline
▲ 0.50% · 4.625%
HK$15,195
+HK$761/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,868/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).