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$6,830
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,042
−HK$216/mo
Today · 4.125%
HK$7,258
baseline
▲ 0.50% · 4.625%
HK$7,699
+HK$441/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,516/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$7,598
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,802
−HK$206/mo
Today · 4.125%
HK$8,008
baseline
▲ 0.50% · 4.625%
HK$8,430
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,016/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$8,195
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,450
−HK$259/mo
Today · 4.125%
HK$8,709
baseline
▲ 0.50% · 4.625%
HK$9,239
+HK$530/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,418/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$9,117
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,362
−HK$248/mo
Today · 4.125%
HK$9,610
baseline
▲ 0.50% · 4.625%
HK$10,116
+HK$506/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,220/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$9,561
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,859
−HK$302/mo
Today · 4.125%
HK$10,161
baseline
▲ 0.50% · 4.625%
HK$10,779
+HK$618/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$20,322/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$10,637
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,922
−HK$290/mo
Today · 4.125%
HK$11,212
baseline
▲ 0.50% · 4.625%
HK$11,803
+HK$591/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$22,424/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$12,293
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,676
−HK$388/mo
Today · 4.125%
HK$13,064
baseline
▲ 0.50% · 4.625%
HK$13,859
+HK$795/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,128/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$13,676
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,043
−HK$372/mo
Today · 4.125%
HK$14,415
baseline
▲ 0.50% · 4.625%
HK$15,175
+HK$760/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,830/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).