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$6,854
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,067
−HK$216/mo
Today · 4.125%
HK$7,283
baseline
▲ 0.50% · 4.625%
HK$7,727
+HK$444/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,566/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$7,625
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,829
−HK$207/mo
Today · 4.125%
HK$8,036
baseline
▲ 0.50% · 4.625%
HK$8,460
+HK$424/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,072/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$8,224
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,480
−HK$260/mo
Today · 4.125%
HK$8,740
baseline
▲ 0.50% · 4.625%
HK$9,272
+HK$532/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,480/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$9,149
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,395
−HK$249/mo
Today · 4.125%
HK$9,644
baseline
▲ 0.50% · 4.625%
HK$10,152
+HK$508/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,288/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$9,595
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,893
−HK$304/mo
Today · 4.125%
HK$10,197
baseline
▲ 0.50% · 4.625%
HK$10,817
+HK$620/mo
Deposit HK$902K · loan HK$2.10M · min. income ≈ HK$20,394/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$10,674
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,961
−HK$290/mo
Today · 4.125%
HK$11,251
baseline
▲ 0.50% · 4.625%
HK$11,844
+HK$593/mo
Deposit HK$902K · loan HK$2.10M · min. income ≈ HK$22,502/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$12,336
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,720
−HK$390/mo
Today · 4.125%
HK$13,110
baseline
▲ 0.50% · 4.625%
HK$13,908
+HK$798/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,220/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$13,724
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,092
−HK$374/mo
Today · 4.125%
HK$14,466
baseline
▲ 0.50% · 4.625%
HK$15,228
+HK$762/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$28,932/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).