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$6,833
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,045
−HK$216/mo
Today · 4.125%
HK$7,261
baseline
▲ 0.50% · 4.625%
HK$7,703
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,522/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$7,601
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,805
−HK$207/mo
Today · 4.125%
HK$8,012
baseline
▲ 0.50% · 4.625%
HK$8,434
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,024/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$8,199
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,454
−HK$259/mo
Today · 4.125%
HK$8,713
baseline
▲ 0.50% · 4.625%
HK$9,244
+HK$531/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,426/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$9,122
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,366
−HK$248/mo
Today · 4.125%
HK$9,614
baseline
▲ 0.50% · 4.625%
HK$10,121
+HK$507/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,228/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$9,566
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,863
−HK$303/mo
Today · 4.125%
HK$10,166
baseline
▲ 0.50% · 4.625%
HK$10,784
+HK$618/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$20,332/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$10,642
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,927
−HK$290/mo
Today · 4.125%
HK$11,217
baseline
▲ 0.50% · 4.625%
HK$11,808
+HK$591/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$22,434/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$12,299
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,681
−HK$389/mo
Today · 4.125%
HK$13,070
baseline
▲ 0.50% · 4.625%
HK$13,865
+HK$795/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,140/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$13,682
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,049
−HK$373/mo
Today · 4.125%
HK$14,422
baseline
▲ 0.50% · 4.625%
HK$15,182
+HK$760/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,844/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).