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$6,861
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,074
−HK$217/mo
Today · 4.125%
HK$7,291
baseline
▲ 0.50% · 4.625%
HK$7,735
+HK$444/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,582/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$7,633
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,837
−HK$208/mo
Today · 4.125%
HK$8,045
baseline
▲ 0.50% · 4.625%
HK$8,469
+HK$424/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,090/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$8,233
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,489
−HK$260/mo
Today · 4.125%
HK$8,749
baseline
▲ 0.50% · 4.625%
HK$9,282
+HK$533/mo
Deposit HK$1.20M · loan HK$1.81M · min. income ≈ HK$17,498/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$9,159
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,405
−HK$249/mo
Today · 4.125%
HK$9,654
baseline
▲ 0.50% · 4.625%
HK$10,163
+HK$509/mo
Deposit HK$1.20M · loan HK$1.81M · min. income ≈ HK$19,308/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$9,605
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,904
−HK$303/mo
Today · 4.125%
HK$10,207
baseline
▲ 0.50% · 4.625%
HK$10,828
+HK$621/mo
Deposit HK$903K · loan HK$2.11M · min. income ≈ HK$20,414/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,686
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,972
−HK$291/mo
Today · 4.125%
HK$11,263
baseline
▲ 0.50% · 4.625%
HK$11,857
+HK$594/mo
Deposit HK$903K · loan HK$2.11M · min. income ≈ HK$22,526/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,349
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,734
−HK$390/mo
Today · 4.125%
HK$13,124
baseline
▲ 0.50% · 4.625%
HK$13,922
+HK$798/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,248/mo (50% DSR)
Upfront cash ≈ HK$301K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,739
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,107
−HK$374/mo
Today · 4.125%
HK$14,481
baseline
▲ 0.50% · 4.625%
HK$15,244
+HK$763/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$28,962/mo (50% DSR)
Upfront cash ≈ HK$301K (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).