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$6,844
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,057
−HK$216/mo
Today · 4.125%
HK$7,273
baseline
▲ 0.50% · 4.625%
HK$7,716
+HK$443/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,546/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$7,614
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,818
−HK$207/mo
Today · 4.125%
HK$8,025
baseline
▲ 0.50% · 4.625%
HK$8,448
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,050/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$8,213
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,468
−HK$260/mo
Today · 4.125%
HK$8,728
baseline
▲ 0.50% · 4.625%
HK$9,259
+HK$531/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,456/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$9,137
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,382
−HK$248/mo
Today · 4.125%
HK$9,630
baseline
▲ 0.50% · 4.625%
HK$10,138
+HK$508/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,260/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$9,582
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,880
−HK$303/mo
Today · 4.125%
HK$10,183
baseline
▲ 0.50% · 4.625%
HK$10,802
+HK$619/mo
Deposit HK$900K · loan HK$2.10M · min. income ≈ HK$20,366/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$10,660
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,946
−HK$290/mo
Today · 4.125%
HK$11,236
baseline
▲ 0.50% · 4.625%
HK$11,828
+HK$592/mo
Deposit HK$900K · loan HK$2.10M · min. income ≈ HK$22,472/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$12,319
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,703
−HK$389/mo
Today · 4.125%
HK$13,092
baseline
▲ 0.50% · 4.625%
HK$13,889
+HK$797/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,184/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$13,705
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,073
−HK$373/mo
Today · 4.125%
HK$14,446
baseline
▲ 0.50% · 4.625%
HK$15,207
+HK$761/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,892/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).