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$6,849
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,062
−HK$216/mo
Today · 4.125%
HK$7,278
baseline
▲ 0.50% · 4.625%
HK$7,721
+HK$443/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,556/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$7,619
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,824
−HK$207/mo
Today · 4.125%
HK$8,031
baseline
▲ 0.50% · 4.625%
HK$8,454
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,062/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$515/mo
▼ 0.25% · 3.875%
HK$8,474
−HK$260/mo
Today · 4.125%
HK$8,734
baseline
▲ 0.50% · 4.625%
HK$9,265
+HK$531/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,468/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$9,143
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,388
−HK$249/mo
Today · 4.125%
HK$9,637
baseline
▲ 0.50% · 4.625%
HK$10,145
+HK$508/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,274/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$9,588
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,887
−HK$303/mo
Today · 4.125%
HK$10,190
baseline
▲ 0.50% · 4.625%
HK$10,810
+HK$620/mo
Deposit HK$901K · loan HK$2.10M · min. income ≈ HK$20,380/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$10,667
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,953
−HK$290/mo
Today · 4.125%
HK$11,243
baseline
▲ 0.50% · 4.625%
HK$11,836
+HK$593/mo
Deposit HK$901K · loan HK$2.10M · min. income ≈ HK$22,486/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$12,328
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,711
−HK$390/mo
Today · 4.125%
HK$13,101
baseline
▲ 0.50% · 4.625%
HK$13,898
+HK$797/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,202/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$13,715
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,082
−HK$374/mo
Today · 4.125%
HK$14,456
baseline
▲ 0.50% · 4.625%
HK$15,218
+HK$762/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,912/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).