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$6,862
−HK$431/mo
▼ 0.25% · 3.875%
HK$7,076
−HK$217/mo
Today · 4.125%
HK$7,293
baseline
▲ 0.50% · 4.625%
HK$7,736
+HK$443/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,586/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$7,634
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,839
−HK$208/mo
Today · 4.125%
HK$8,047
baseline
▲ 0.50% · 4.625%
HK$8,471
+HK$424/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,094/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$8,235
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,491
−HK$260/mo
Today · 4.125%
HK$8,751
baseline
▲ 0.50% · 4.625%
HK$9,284
+HK$533/mo
Deposit HK$1.20M · loan HK$1.81M · min. income ≈ HK$17,502/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$9,161
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,407
−HK$249/mo
Today · 4.125%
HK$9,656
baseline
▲ 0.50% · 4.625%
HK$10,165
+HK$509/mo
Deposit HK$1.20M · loan HK$1.81M · min. income ≈ HK$19,312/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$9,607
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,906
−HK$304/mo
Today · 4.125%
HK$10,210
baseline
▲ 0.50% · 4.625%
HK$10,831
+HK$621/mo
Deposit HK$903K · loan HK$2.11M · min. income ≈ HK$20,420/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,688
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,975
−HK$290/mo
Today · 4.125%
HK$11,265
baseline
▲ 0.50% · 4.625%
HK$11,859
+HK$594/mo
Deposit HK$903K · loan HK$2.11M · min. income ≈ HK$22,530/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,352
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,736
−HK$391/mo
Today · 4.125%
HK$13,127
baseline
▲ 0.50% · 4.625%
HK$13,926
+HK$799/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,254/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$13,742
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,110
−HK$374/mo
Today · 4.125%
HK$14,484
baseline
▲ 0.50% · 4.625%
HK$15,248
+HK$764/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$28,968/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).