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$6,843
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,056
−HK$217/mo
Today · 4.125%
HK$7,273
baseline
▲ 0.50% · 4.625%
HK$7,715
+HK$442/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$7,613
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,817
−HK$207/mo
Today · 4.125%
HK$8,024
baseline
▲ 0.50% · 4.625%
HK$8,447
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,048/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$8,212
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,467
−HK$260/mo
Today · 4.125%
HK$8,727
baseline
▲ 0.50% · 4.625%
HK$9,258
+HK$531/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,454/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$9,136
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,381
−HK$248/mo
Today · 4.125%
HK$9,629
baseline
▲ 0.50% · 4.625%
HK$10,137
+HK$508/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,258/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$9,581
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,879
−HK$303/mo
Today · 4.125%
HK$10,182
baseline
▲ 0.50% · 4.625%
HK$10,801
+HK$619/mo
Deposit HK$900K · loan HK$2.10M · min. income ≈ HK$20,364/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,658
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,944
−HK$290/mo
Today · 4.125%
HK$11,234
baseline
▲ 0.50% · 4.625%
HK$11,826
+HK$592/mo
Deposit HK$900K · loan HK$2.10M · min. income ≈ HK$22,468/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,318
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,701
−HK$390/mo
Today · 4.125%
HK$13,091
baseline
▲ 0.50% · 4.625%
HK$13,887
+HK$796/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,182/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$13,704
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,071
−HK$373/mo
Today · 4.125%
HK$14,444
baseline
▲ 0.50% · 4.625%
HK$15,205
+HK$761/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,888/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).