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$6,820
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,032
−HK$216/mo
Today · 4.125%
HK$7,248
baseline
▲ 0.50% · 4.625%
HK$7,689
+HK$441/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,496/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$7,587
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,791
−HK$206/mo
Today · 4.125%
HK$7,997
baseline
▲ 0.50% · 4.625%
HK$8,419
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$15,994/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$8,184
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,439
−HK$258/mo
Today · 4.125%
HK$8,697
baseline
▲ 0.50% · 4.625%
HK$9,226
+HK$529/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$17,394/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$9,105
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,349
−HK$248/mo
Today · 4.125%
HK$9,597
baseline
▲ 0.50% · 4.625%
HK$10,102
+HK$505/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$19,194/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$9,548
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,845
−HK$302/mo
Today · 4.125%
HK$10,147
baseline
▲ 0.50% · 4.625%
HK$10,764
+HK$617/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$20,294/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,622
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,907
−HK$289/mo
Today · 4.125%
HK$11,196
baseline
▲ 0.50% · 4.625%
HK$11,786
+HK$590/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$22,392/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,276
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,658
−HK$388/mo
Today · 4.125%
HK$13,046
baseline
▲ 0.50% · 4.625%
HK$13,840
+HK$794/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,092/mo (50% DSR)
Upfront cash ≈ HK$299K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,657
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,023
−HK$372/mo
Today · 4.125%
HK$14,395
baseline
▲ 0.50% · 4.625%
HK$15,154
+HK$759/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,790/mo (50% DSR)
Upfront cash ≈ HK$299K (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).