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$6,848
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,061
−HK$216/mo
Today · 4.125%
HK$7,277
baseline
▲ 0.50% · 4.625%
HK$7,720
+HK$443/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,554/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$7,618
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,822
−HK$208/mo
Today · 4.125%
HK$8,030
baseline
▲ 0.50% · 4.625%
HK$8,453
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,060/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$8,217
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,473
−HK$260/mo
Today · 4.125%
HK$8,733
baseline
▲ 0.50% · 4.625%
HK$9,264
+HK$531/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,466/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$9,142
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,387
−HK$249/mo
Today · 4.125%
HK$9,636
baseline
▲ 0.50% · 4.625%
HK$10,143
+HK$507/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,272/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$9,587
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,885
−HK$303/mo
Today · 4.125%
HK$10,188
baseline
▲ 0.50% · 4.625%
HK$10,808
+HK$620/mo
Deposit HK$901K · loan HK$2.10M · min. income ≈ HK$20,376/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$10,665
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,951
−HK$290/mo
Today · 4.125%
HK$11,241
baseline
▲ 0.50% · 4.625%
HK$11,834
+HK$593/mo
Deposit HK$901K · loan HK$2.10M · min. income ≈ HK$22,482/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$12,326
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,709
−HK$390/mo
Today · 4.125%
HK$13,099
baseline
▲ 0.50% · 4.625%
HK$13,896
+HK$797/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,198/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$13,712
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,080
−HK$373/mo
Today · 4.125%
HK$14,453
baseline
▲ 0.50% · 4.625%
HK$15,215
+HK$762/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,906/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).