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$6,850
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,063
−HK$216/mo
Today · 4.125%
HK$7,279
baseline
▲ 0.50% · 4.625%
HK$7,722
+HK$443/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,558/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$7,620
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,824
−HK$208/mo
Today · 4.125%
HK$8,032
baseline
▲ 0.50% · 4.625%
HK$8,455
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,064/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$8,219
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,475
−HK$260/mo
Today · 4.125%
HK$8,735
baseline
▲ 0.50% · 4.625%
HK$9,266
+HK$531/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,470/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$9,144
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,389
−HK$249/mo
Today · 4.125%
HK$9,638
baseline
▲ 0.50% · 4.625%
HK$10,146
+HK$508/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,276/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$9,589
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,888
−HK$303/mo
Today · 4.125%
HK$10,191
baseline
▲ 0.50% · 4.625%
HK$10,811
+HK$620/mo
Deposit HK$901K · loan HK$2.10M · min. income ≈ HK$20,382/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,668
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,954
−HK$290/mo
Today · 4.125%
HK$11,244
baseline
▲ 0.50% · 4.625%
HK$11,837
+HK$593/mo
Deposit HK$901K · loan HK$2.10M · min. income ≈ HK$22,488/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,329
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,713
−HK$389/mo
Today · 4.125%
HK$13,102
baseline
▲ 0.50% · 4.625%
HK$13,900
+HK$798/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,204/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$13,716
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,084
−HK$373/mo
Today · 4.125%
HK$14,457
baseline
▲ 0.50% · 4.625%
HK$15,219
+HK$762/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,914/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).