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$6,850
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,063
−HK$217/mo
Today · 4.125%
HK$7,280
baseline
▲ 0.50% · 4.625%
HK$7,723
+HK$443/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,560/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$7,621
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,825
−HK$207/mo
Today · 4.125%
HK$8,032
baseline
▲ 0.50% · 4.625%
HK$8,456
+HK$424/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,064/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$8,220
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,476
−HK$260/mo
Today · 4.125%
HK$8,736
baseline
▲ 0.50% · 4.625%
HK$9,267
+HK$531/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,472/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$9,145
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,390
−HK$249/mo
Today · 4.125%
HK$9,639
baseline
▲ 0.50% · 4.625%
HK$10,147
+HK$508/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,278/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$9,590
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,888
−HK$303/mo
Today · 4.125%
HK$10,191
baseline
▲ 0.50% · 4.625%
HK$10,812
+HK$621/mo
Deposit HK$901K · loan HK$2.10M · min. income ≈ HK$20,382/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,669
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,955
−HK$290/mo
Today · 4.125%
HK$11,245
baseline
▲ 0.50% · 4.625%
HK$11,838
+HK$593/mo
Deposit HK$901K · loan HK$2.10M · min. income ≈ HK$22,490/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,330
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,714
−HK$389/mo
Today · 4.125%
HK$13,103
baseline
▲ 0.50% · 4.625%
HK$13,901
+HK$798/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,206/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$13,717
−HK$741/mo
▼ 0.25% · 3.875%
HK$14,085
−HK$373/mo
Today · 4.125%
HK$14,458
baseline
▲ 0.50% · 4.625%
HK$15,220
+HK$762/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,916/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).