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$6,824
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,036
−HK$216/mo
Today · 4.125%
HK$7,252
baseline
▲ 0.50% · 4.625%
HK$7,693
+HK$441/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,504/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$7,592
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,795
−HK$207/mo
Today · 4.125%
HK$8,002
baseline
▲ 0.50% · 4.625%
HK$8,424
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,004/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$8,189
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,444
−HK$258/mo
Today · 4.125%
HK$8,702
baseline
▲ 0.50% · 4.625%
HK$9,232
+HK$530/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,404/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$9,110
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,354
−HK$248/mo
Today · 4.125%
HK$9,602
baseline
▲ 0.50% · 4.625%
HK$10,108
+HK$506/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,204/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$9,554
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,851
−HK$302/mo
Today · 4.125%
HK$10,153
baseline
▲ 0.50% · 4.625%
HK$10,771
+HK$618/mo
Deposit HK$898K · loan HK$2.09M · min. income ≈ HK$20,306/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$10,628
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,914
−HK$289/mo
Today · 4.125%
HK$11,203
baseline
▲ 0.50% · 4.625%
HK$11,793
+HK$590/mo
Deposit HK$898K · loan HK$2.09M · min. income ≈ HK$22,406/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$12,283
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,666
−HK$388/mo
Today · 4.125%
HK$13,054
baseline
▲ 0.50% · 4.625%
HK$13,848
+HK$794/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,108/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$13,665
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,032
−HK$372/mo
Today · 4.125%
HK$14,404
baseline
▲ 0.50% · 4.625%
HK$15,163
+HK$759/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,808/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).