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$6,838
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,051
−HK$216/mo
Today · 4.125%
HK$7,267
baseline
▲ 0.50% · 4.625%
HK$7,709
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,534/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$7,607
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,811
−HK$207/mo
Today · 4.125%
HK$8,018
baseline
▲ 0.50% · 4.625%
HK$8,441
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,036/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$8,206
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,461
−HK$259/mo
Today · 4.125%
HK$8,720
baseline
▲ 0.50% · 4.625%
HK$9,251
+HK$531/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,440/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$9,129
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,374
−HK$248/mo
Today · 4.125%
HK$9,622
baseline
▲ 0.50% · 4.625%
HK$10,129
+HK$507/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,244/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$9,573
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,871
−HK$303/mo
Today · 4.125%
HK$10,174
baseline
▲ 0.50% · 4.625%
HK$10,793
+HK$619/mo
Deposit HK$900K · loan HK$2.10M · min. income ≈ HK$20,348/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$10,650
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,936
−HK$290/mo
Today · 4.125%
HK$11,226
baseline
▲ 0.50% · 4.625%
HK$11,817
+HK$591/mo
Deposit HK$900K · loan HK$2.10M · min. income ≈ HK$22,452/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$12,309
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,692
−HK$389/mo
Today · 4.125%
HK$13,081
baseline
▲ 0.50% · 4.625%
HK$13,876
+HK$795/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,162/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$13,693
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,061
−HK$372/mo
Today · 4.125%
HK$14,433
baseline
▲ 0.50% · 4.625%
HK$15,194
+HK$761/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,866/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).