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$6,840
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,052
−HK$217/mo
Today · 4.125%
HK$7,269
baseline
▲ 0.50% · 4.625%
HK$7,711
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,538/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$7,609
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,813
−HK$207/mo
Today · 4.125%
HK$8,020
baseline
▲ 0.50% · 4.625%
HK$8,443
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,040/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$8,208
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,463
−HK$259/mo
Today · 4.125%
HK$8,722
baseline
▲ 0.50% · 4.625%
HK$9,253
+HK$531/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,444/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$9,131
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,376
−HK$248/mo
Today · 4.125%
HK$9,624
baseline
▲ 0.50% · 4.625%
HK$10,132
+HK$508/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,248/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$9,576
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,873
−HK$303/mo
Today · 4.125%
HK$10,176
baseline
▲ 0.50% · 4.625%
HK$10,795
+HK$619/mo
Deposit HK$900K · loan HK$2.10M · min. income ≈ HK$20,352/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$10,653
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,939
−HK$289/mo
Today · 4.125%
HK$11,228
baseline
▲ 0.50% · 4.625%
HK$11,820
+HK$592/mo
Deposit HK$900K · loan HK$2.10M · min. income ≈ HK$22,456/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$12,312
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,694
−HK$390/mo
Today · 4.125%
HK$13,084
baseline
▲ 0.50% · 4.625%
HK$13,880
+HK$796/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,168/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$13,696
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,064
−HK$372/mo
Today · 4.125%
HK$14,436
baseline
▲ 0.50% · 4.625%
HK$15,197
+HK$761/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,872/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).