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$6,836
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,049
−HK$216/mo
Today · 4.125%
HK$7,265
baseline
▲ 0.50% · 4.625%
HK$7,707
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,530/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$7,605
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,809
−HK$207/mo
Today · 4.125%
HK$8,016
baseline
▲ 0.50% · 4.625%
HK$8,439
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,032/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$8,204
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,459
−HK$259/mo
Today · 4.125%
HK$8,718
baseline
▲ 0.50% · 4.625%
HK$9,248
+HK$530/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,436/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$9,126
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,371
−HK$248/mo
Today · 4.125%
HK$9,619
baseline
▲ 0.50% · 4.625%
HK$10,127
+HK$508/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,238/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$9,571
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,869
−HK$302/mo
Today · 4.125%
HK$10,171
baseline
▲ 0.50% · 4.625%
HK$10,790
+HK$619/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$20,342/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$10,647
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,933
−HK$290/mo
Today · 4.125%
HK$11,223
baseline
▲ 0.50% · 4.625%
HK$11,814
+HK$591/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$22,446/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$12,305
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,688
−HK$389/mo
Today · 4.125%
HK$13,077
baseline
▲ 0.50% · 4.625%
HK$13,873
+HK$796/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,154/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$13,690
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,057
−HK$372/mo
Today · 4.125%
HK$14,429
baseline
▲ 0.50% · 4.625%
HK$15,190
+HK$761/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,858/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).