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$6,826
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,039
−HK$215/mo
Today · 4.125%
HK$7,254
baseline
▲ 0.50% · 4.625%
HK$7,696
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,508/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$7,594
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,798
−HK$207/mo
Today · 4.125%
HK$8,005
baseline
▲ 0.50% · 4.625%
HK$8,426
+HK$421/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,010/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$8,192
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,446
−HK$259/mo
Today · 4.125%
HK$8,705
baseline
▲ 0.50% · 4.625%
HK$9,235
+HK$530/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,410/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$9,113
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,358
−HK$247/mo
Today · 4.125%
HK$9,605
baseline
▲ 0.50% · 4.625%
HK$10,112
+HK$507/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,210/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$9,557
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,854
−HK$302/mo
Today · 4.125%
HK$10,156
baseline
▲ 0.50% · 4.625%
HK$10,774
+HK$618/mo
Deposit HK$898K · loan HK$2.10M · min. income ≈ HK$20,312/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,632
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,917
−HK$289/mo
Today · 4.125%
HK$11,206
baseline
▲ 0.50% · 4.625%
HK$11,797
+HK$591/mo
Deposit HK$898K · loan HK$2.10M · min. income ≈ HK$22,412/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,287
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,670
−HK$388/mo
Today · 4.125%
HK$13,058
baseline
▲ 0.50% · 4.625%
HK$13,853
+HK$795/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,116/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$13,670
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,036
−HK$372/mo
Today · 4.125%
HK$14,408
baseline
▲ 0.50% · 4.625%
HK$15,168
+HK$760/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,816/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).