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$6,851
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,064
−HK$217/mo
Today · 4.125%
HK$7,281
baseline
▲ 0.50% · 4.625%
HK$7,724
+HK$443/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,562/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$7,622
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,826
−HK$208/mo
Today · 4.125%
HK$8,034
baseline
▲ 0.50% · 4.625%
HK$8,457
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,068/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$8,221
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,477
−HK$260/mo
Today · 4.125%
HK$8,737
baseline
▲ 0.50% · 4.625%
HK$9,269
+HK$532/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,474/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$9,146
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,392
−HK$248/mo
Today · 4.125%
HK$9,640
baseline
▲ 0.50% · 4.625%
HK$10,149
+HK$509/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,280/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$9,592
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,890
−HK$303/mo
Today · 4.125%
HK$10,193
baseline
▲ 0.50% · 4.625%
HK$10,813
+HK$620/mo
Deposit HK$901K · loan HK$2.10M · min. income ≈ HK$20,386/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$10,671
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,957
−HK$290/mo
Today · 4.125%
HK$11,247
baseline
▲ 0.50% · 4.625%
HK$11,840
+HK$593/mo
Deposit HK$901K · loan HK$2.10M · min. income ≈ HK$22,494/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$12,332
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,716
−HK$389/mo
Today · 4.125%
HK$13,105
baseline
▲ 0.50% · 4.625%
HK$13,903
+HK$798/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,210/mo (50% DSR)
Upfront cash ≈ HK$301K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,719
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,087
−HK$374/mo
Today · 4.125%
HK$14,461
baseline
▲ 0.50% · 4.625%
HK$15,223
+HK$762/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,922/mo (50% DSR)
Upfront cash ≈ HK$301K (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).