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$6,837
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,050
−HK$216/mo
Today · 4.125%
HK$7,266
baseline
▲ 0.50% · 4.625%
HK$7,708
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,532/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$7,606
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,810
−HK$207/mo
Today · 4.125%
HK$8,017
baseline
▲ 0.50% · 4.625%
HK$8,440
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,034/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$8,204
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,460
−HK$259/mo
Today · 4.125%
HK$8,719
baseline
▲ 0.50% · 4.625%
HK$9,249
+HK$530/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,438/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$9,127
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,372
−HK$248/mo
Today · 4.125%
HK$9,620
baseline
▲ 0.50% · 4.625%
HK$10,127
+HK$507/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,240/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$9,572
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,869
−HK$303/mo
Today · 4.125%
HK$10,172
baseline
▲ 0.50% · 4.625%
HK$10,791
+HK$619/mo
Deposit HK$900K · loan HK$2.10M · min. income ≈ HK$20,344/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,648
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,934
−HK$290/mo
Today · 4.125%
HK$11,224
baseline
▲ 0.50% · 4.625%
HK$11,815
+HK$591/mo
Deposit HK$900K · loan HK$2.10M · min. income ≈ HK$22,448/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,307
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,689
−HK$389/mo
Today · 4.125%
HK$13,078
baseline
▲ 0.50% · 4.625%
HK$13,874
+HK$796/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,156/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$13,691
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,058
−HK$373/mo
Today · 4.125%
HK$14,431
baseline
▲ 0.50% · 4.625%
HK$15,191
+HK$760/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,862/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).