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$6,830
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,043
−HK$216/mo
Today · 4.125%
HK$7,259
baseline
▲ 0.50% · 4.625%
HK$7,700
+HK$441/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,518/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$7,599
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,803
−HK$206/mo
Today · 4.125%
HK$8,009
baseline
▲ 0.50% · 4.625%
HK$8,432
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,018/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$8,197
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,452
−HK$259/mo
Today · 4.125%
HK$8,711
baseline
▲ 0.50% · 4.625%
HK$9,241
+HK$530/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,422/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$9,119
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,363
−HK$248/mo
Today · 4.125%
HK$9,611
baseline
▲ 0.50% · 4.625%
HK$10,118
+HK$507/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,222/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$9,563
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,860
−HK$302/mo
Today · 4.125%
HK$10,162
baseline
▲ 0.50% · 4.625%
HK$10,781
+HK$619/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$20,324/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,638
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,924
−HK$289/mo
Today · 4.125%
HK$11,213
baseline
▲ 0.50% · 4.625%
HK$11,804
+HK$591/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$22,426/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,295
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,677
−HK$389/mo
Today · 4.125%
HK$13,066
baseline
▲ 0.50% · 4.625%
HK$13,861
+HK$795/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,132/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$13,678
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,045
−HK$372/mo
Today · 4.125%
HK$14,417
baseline
▲ 0.50% · 4.625%
HK$15,177
+HK$760/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,834/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).