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$6,818
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,030
−HK$216/mo
Today · 4.125%
HK$7,246
baseline
▲ 0.50% · 4.625%
HK$7,687
+HK$441/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,492/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$7,585
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,789
−HK$206/mo
Today · 4.125%
HK$7,995
baseline
▲ 0.50% · 4.625%
HK$8,417
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$15,990/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$8,182
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,436
−HK$259/mo
Today · 4.125%
HK$8,695
baseline
▲ 0.50% · 4.625%
HK$9,224
+HK$529/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$17,390/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$9,102
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,346
−HK$248/mo
Today · 4.125%
HK$9,594
baseline
▲ 0.50% · 4.625%
HK$10,100
+HK$506/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$19,188/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$9,546
−HK$598/mo
▼ 0.25% · 3.875%
HK$9,843
−HK$301/mo
Today · 4.125%
HK$10,144
baseline
▲ 0.50% · 4.625%
HK$10,761
+HK$617/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$20,288/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,619
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,904
−HK$289/mo
Today · 4.125%
HK$11,193
baseline
▲ 0.50% · 4.625%
HK$11,783
+HK$590/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$22,386/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,273
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,655
−HK$388/mo
Today · 4.125%
HK$13,043
baseline
▲ 0.50% · 4.625%
HK$13,836
+HK$793/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,086/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$13,653
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,020
−HK$371/mo
Today · 4.125%
HK$14,391
baseline
▲ 0.50% · 4.625%
HK$15,150
+HK$759/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,782/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).