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$6,857
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,070
−HK$217/mo
Today · 4.125%
HK$7,287
baseline
▲ 0.50% · 4.625%
HK$7,731
+HK$444/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,574/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$7,628
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,833
−HK$208/mo
Today · 4.125%
HK$8,041
baseline
▲ 0.50% · 4.625%
HK$8,464
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,082/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$8,229
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,484
−HK$261/mo
Today · 4.125%
HK$8,745
baseline
▲ 0.50% · 4.625%
HK$9,277
+HK$532/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,490/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$9,154
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,400
−HK$249/mo
Today · 4.125%
HK$9,649
baseline
▲ 0.50% · 4.625%
HK$10,157
+HK$508/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,298/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$9,600
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,899
−HK$303/mo
Today · 4.125%
HK$10,202
baseline
▲ 0.50% · 4.625%
HK$10,823
+HK$621/mo
Deposit HK$902K · loan HK$2.11M · min. income ≈ HK$20,404/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,680
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,966
−HK$291/mo
Today · 4.125%
HK$11,257
baseline
▲ 0.50% · 4.625%
HK$11,850
+HK$593/mo
Deposit HK$902K · loan HK$2.11M · min. income ≈ HK$22,514/mo (50% DSR)
Upfront cash ≈ HK$902K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,343
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,727
−HK$390/mo
Today · 4.125%
HK$13,117
baseline
▲ 0.50% · 4.625%
HK$13,915
+HK$798/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,234/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$13,731
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,100
−HK$373/mo
Today · 4.125%
HK$14,473
baseline
▲ 0.50% · 4.625%
HK$15,236
+HK$763/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$28,946/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).