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$6,821
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,033
−HK$216/mo
Today · 4.125%
HK$7,249
baseline
▲ 0.50% · 4.625%
HK$7,690
+HK$441/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,498/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$7,589
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,792
−HK$207/mo
Today · 4.125%
HK$7,999
baseline
▲ 0.50% · 4.625%
HK$8,420
+HK$421/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$15,998/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$8,185
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,440
−HK$259/mo
Today · 4.125%
HK$8,699
baseline
▲ 0.50% · 4.625%
HK$9,228
+HK$529/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$17,398/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$9,106
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,351
−HK$247/mo
Today · 4.125%
HK$9,598
baseline
▲ 0.50% · 4.625%
HK$10,104
+HK$506/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$19,196/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$9,550
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,847
−HK$302/mo
Today · 4.125%
HK$10,149
baseline
▲ 0.50% · 4.625%
HK$10,766
+HK$617/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$20,298/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,624
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,909
−HK$289/mo
Today · 4.125%
HK$11,198
baseline
▲ 0.50% · 4.625%
HK$11,788
+HK$590/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$22,396/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,278
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,660
−HK$388/mo
Today · 4.125%
HK$13,048
baseline
▲ 0.50% · 4.625%
HK$13,842
+HK$794/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,096/mo (50% DSR)
Upfront cash ≈ HK$299K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,659
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,026
−HK$371/mo
Today · 4.125%
HK$14,397
baseline
▲ 0.50% · 4.625%
HK$15,156
+HK$759/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,794/mo (50% DSR)
Upfront cash ≈ HK$299K (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).