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$6,839
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,052
−HK$216/mo
Today · 4.125%
HK$7,268
baseline
▲ 0.50% · 4.625%
HK$7,710
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,536/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$7,609
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,813
−HK$207/mo
Today · 4.125%
HK$8,020
baseline
▲ 0.50% · 4.625%
HK$8,442
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,040/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$8,207
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,462
−HK$260/mo
Today · 4.125%
HK$8,722
baseline
▲ 0.50% · 4.625%
HK$9,252
+HK$530/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,444/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$9,130
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,375
−HK$249/mo
Today · 4.125%
HK$9,624
baseline
▲ 0.50% · 4.625%
HK$10,131
+HK$507/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,248/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$9,575
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,873
−HK$302/mo
Today · 4.125%
HK$10,175
baseline
▲ 0.50% · 4.625%
HK$10,795
+HK$620/mo
Deposit HK$900K · loan HK$2.10M · min. income ≈ HK$20,350/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$10,652
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,938
−HK$290/mo
Today · 4.125%
HK$11,228
baseline
▲ 0.50% · 4.625%
HK$11,819
+HK$591/mo
Deposit HK$900K · loan HK$2.10M · min. income ≈ HK$22,456/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$12,311
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,694
−HK$389/mo
Today · 4.125%
HK$13,083
baseline
▲ 0.50% · 4.625%
HK$13,879
+HK$796/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,166/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$13,696
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,063
−HK$372/mo
Today · 4.125%
HK$14,435
baseline
▲ 0.50% · 4.625%
HK$15,196
+HK$761/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,870/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).