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$6,829
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,041
−HK$216/mo
Today · 4.125%
HK$7,257
baseline
▲ 0.50% · 4.625%
HK$7,699
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,514/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$7,597
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,801
−HK$206/mo
Today · 4.125%
HK$8,007
baseline
▲ 0.50% · 4.625%
HK$8,430
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,014/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$8,195
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,449
−HK$259/mo
Today · 4.125%
HK$8,708
baseline
▲ 0.50% · 4.625%
HK$9,238
+HK$530/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,416/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$9,116
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,361
−HK$248/mo
Today · 4.125%
HK$9,609
baseline
▲ 0.50% · 4.625%
HK$10,115
+HK$506/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,218/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$9,560
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,858
−HK$302/mo
Today · 4.125%
HK$10,160
baseline
▲ 0.50% · 4.625%
HK$10,778
+HK$618/mo
Deposit HK$898K · loan HK$2.10M · min. income ≈ HK$20,320/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,636
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,921
−HK$289/mo
Today · 4.125%
HK$11,210
baseline
▲ 0.50% · 4.625%
HK$11,801
+HK$591/mo
Deposit HK$898K · loan HK$2.10M · min. income ≈ HK$22,420/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,292
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,674
−HK$389/mo
Today · 4.125%
HK$13,063
baseline
▲ 0.50% · 4.625%
HK$13,858
+HK$795/mo
Deposit HK$299K · loan HK$2.70M · min. income ≈ HK$26,126/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$13,675
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,041
−HK$372/mo
Today · 4.125%
HK$14,413
baseline
▲ 0.50% · 4.625%
HK$15,173
+HK$760/mo
Deposit HK$299K · loan HK$2.70M · min. income ≈ HK$28,826/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).