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$6,823
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,036
−HK$215/mo
Today · 4.125%
HK$7,251
baseline
▲ 0.50% · 4.625%
HK$7,692
+HK$441/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,502/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$7,591
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,794
−HK$207/mo
Today · 4.125%
HK$8,001
baseline
▲ 0.50% · 4.625%
HK$8,423
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,002/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$8,188
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,443
−HK$258/mo
Today · 4.125%
HK$8,701
baseline
▲ 0.50% · 4.625%
HK$9,231
+HK$530/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,402/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$9,109
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,353
−HK$248/mo
Today · 4.125%
HK$9,601
baseline
▲ 0.50% · 4.625%
HK$10,107
+HK$506/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,202/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$9,553
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,850
−HK$302/mo
Today · 4.125%
HK$10,152
baseline
▲ 0.50% · 4.625%
HK$10,769
+HK$617/mo
Deposit HK$898K · loan HK$2.09M · min. income ≈ HK$20,304/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$10,627
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,912
−HK$289/mo
Today · 4.125%
HK$11,201
baseline
▲ 0.50% · 4.625%
HK$11,792
+HK$591/mo
Deposit HK$898K · loan HK$2.09M · min. income ≈ HK$22,402/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$12,282
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,664
−HK$388/mo
Today · 4.125%
HK$13,052
baseline
▲ 0.50% · 4.625%
HK$13,846
+HK$794/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,104/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$13,663
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,030
−HK$372/mo
Today · 4.125%
HK$14,402
baseline
▲ 0.50% · 4.625%
HK$15,161
+HK$759/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,804/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).