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$6,846
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,059
−HK$217/mo
Today · 4.125%
HK$7,276
baseline
▲ 0.50% · 4.625%
HK$7,718
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,552/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$7,617
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,821
−HK$207/mo
Today · 4.125%
HK$8,028
baseline
▲ 0.50% · 4.625%
HK$8,451
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,056/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$8,216
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,471
−HK$260/mo
Today · 4.125%
HK$8,731
baseline
▲ 0.50% · 4.625%
HK$9,262
+HK$531/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,462/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$9,140
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,385
−HK$249/mo
Today · 4.125%
HK$9,634
baseline
▲ 0.50% · 4.625%
HK$10,141
+HK$507/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,268/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$9,585
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,883
−HK$303/mo
Today · 4.125%
HK$10,186
baseline
▲ 0.50% · 4.625%
HK$10,806
+HK$620/mo
Deposit HK$901K · loan HK$2.10M · min. income ≈ HK$20,372/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,663
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,949
−HK$290/mo
Today · 4.125%
HK$11,239
baseline
▲ 0.50% · 4.625%
HK$11,832
+HK$593/mo
Deposit HK$901K · loan HK$2.10M · min. income ≈ HK$22,478/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,324
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,707
−HK$389/mo
Today · 4.125%
HK$13,096
baseline
▲ 0.50% · 4.625%
HK$13,893
+HK$797/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,192/mo (50% DSR)
Upfront cash ≈ HK$300K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,710
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,077
−HK$373/mo
Today · 4.125%
HK$14,450
baseline
▲ 0.50% · 4.625%
HK$15,212
+HK$762/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,900/mo (50% DSR)
Upfront cash ≈ HK$300K (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).