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$6,827
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,039
−HK$216/mo
Today · 4.125%
HK$7,255
baseline
▲ 0.50% · 4.625%
HK$7,697
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,510/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$7,595
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,799
−HK$206/mo
Today · 4.125%
HK$8,005
baseline
▲ 0.50% · 4.625%
HK$8,427
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,010/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$8,192
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,447
−HK$259/mo
Today · 4.125%
HK$8,706
baseline
▲ 0.50% · 4.625%
HK$9,236
+HK$530/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,412/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$9,114
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,358
−HK$248/mo
Today · 4.125%
HK$9,606
baseline
▲ 0.50% · 4.625%
HK$10,113
+HK$507/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,212/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$9,558
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,855
−HK$302/mo
Today · 4.125%
HK$10,157
baseline
▲ 0.50% · 4.625%
HK$10,775
+HK$618/mo
Deposit HK$898K · loan HK$2.10M · min. income ≈ HK$20,314/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$10,633
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,918
−HK$289/mo
Today · 4.125%
HK$11,207
baseline
▲ 0.50% · 4.625%
HK$11,798
+HK$591/mo
Deposit HK$898K · loan HK$2.10M · min. income ≈ HK$22,414/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$12,289
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,671
−HK$388/mo
Today · 4.125%
HK$13,059
baseline
▲ 0.50% · 4.625%
HK$13,854
+HK$795/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,118/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$13,671
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,038
−HK$372/mo
Today · 4.125%
HK$14,410
baseline
▲ 0.50% · 4.625%
HK$15,169
+HK$759/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,820/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).