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$6,845
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,058
−HK$216/mo
Today · 4.125%
HK$7,274
baseline
▲ 0.50% · 4.625%
HK$7,717
+HK$443/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,548/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$7,615
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,819
−HK$208/mo
Today · 4.125%
HK$8,027
baseline
▲ 0.50% · 4.625%
HK$8,450
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,054/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$8,214
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,470
−HK$259/mo
Today · 4.125%
HK$8,729
baseline
▲ 0.50% · 4.625%
HK$9,261
+HK$532/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,458/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$9,138
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,383
−HK$249/mo
Today · 4.125%
HK$9,632
baseline
▲ 0.50% · 4.625%
HK$10,140
+HK$508/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,264/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$9,583
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,881
−HK$303/mo
Today · 4.125%
HK$10,184
baseline
▲ 0.50% · 4.625%
HK$10,804
+HK$620/mo
Deposit HK$901K · loan HK$2.10M · min. income ≈ HK$20,368/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$10,661
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,947
−HK$290/mo
Today · 4.125%
HK$11,237
baseline
▲ 0.50% · 4.625%
HK$11,830
+HK$593/mo
Deposit HK$901K · loan HK$2.10M · min. income ≈ HK$22,474/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$12,321
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,705
−HK$389/mo
Today · 4.125%
HK$13,094
baseline
▲ 0.50% · 4.625%
HK$13,891
+HK$797/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,188/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$13,707
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,075
−HK$373/mo
Today · 4.125%
HK$14,448
baseline
▲ 0.50% · 4.625%
HK$15,210
+HK$762/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,896/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).