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$6,819
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,031
−HK$215/mo
Today · 4.125%
HK$7,246
baseline
▲ 0.50% · 4.625%
HK$7,687
+HK$441/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,492/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$7,586
−HK$409/mo
▼ 0.25% · 3.875%
HK$7,789
−HK$206/mo
Today · 4.125%
HK$7,995
baseline
▲ 0.50% · 4.625%
HK$8,417
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$15,990/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$8,182
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,437
−HK$258/mo
Today · 4.125%
HK$8,695
baseline
▲ 0.50% · 4.625%
HK$9,224
+HK$529/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$17,390/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$9,103
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,347
−HK$248/mo
Today · 4.125%
HK$9,595
baseline
▲ 0.50% · 4.625%
HK$10,100
+HK$505/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$19,190/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$9,546
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,843
−HK$302/mo
Today · 4.125%
HK$10,145
baseline
▲ 0.50% · 4.625%
HK$10,762
+HK$617/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$20,290/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$10,620
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,905
−HK$289/mo
Today · 4.125%
HK$11,194
baseline
▲ 0.50% · 4.625%
HK$11,784
+HK$590/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$22,388/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$12,273
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,655
−HK$388/mo
Today · 4.125%
HK$13,043
baseline
▲ 0.50% · 4.625%
HK$13,837
+HK$794/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,086/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$13,654
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,020
−HK$372/mo
Today · 4.125%
HK$14,392
baseline
▲ 0.50% · 4.625%
HK$15,150
+HK$758/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,784/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).