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$6,823
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,035
−HK$216/mo
Today · 4.125%
HK$7,251
baseline
▲ 0.50% · 4.625%
HK$7,692
+HK$441/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,502/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$7,590
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,794
−HK$206/mo
Today · 4.125%
HK$8,000
baseline
▲ 0.50% · 4.625%
HK$8,422
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,000/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$8,187
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,442
−HK$259/mo
Today · 4.125%
HK$8,701
baseline
▲ 0.50% · 4.625%
HK$9,230
+HK$529/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,402/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$9,108
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,353
−HK$247/mo
Today · 4.125%
HK$9,600
baseline
▲ 0.50% · 4.625%
HK$10,106
+HK$506/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,200/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$9,552
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,849
−HK$302/mo
Today · 4.125%
HK$10,151
baseline
▲ 0.50% · 4.625%
HK$10,768
+HK$617/mo
Deposit HK$898K · loan HK$2.09M · min. income ≈ HK$20,302/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$10,626
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,911
−HK$289/mo
Today · 4.125%
HK$11,200
baseline
▲ 0.50% · 4.625%
HK$11,791
+HK$591/mo
Deposit HK$898K · loan HK$2.09M · min. income ≈ HK$22,400/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$12,281
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,663
−HK$388/mo
Today · 4.125%
HK$13,051
baseline
▲ 0.50% · 4.625%
HK$13,845
+HK$794/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,102/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$13,662
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,029
−HK$372/mo
Today · 4.125%
HK$14,401
baseline
▲ 0.50% · 4.625%
HK$15,160
+HK$759/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,802/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).