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$6,841
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,053
−HK$217/mo
Today · 4.125%
HK$7,270
baseline
▲ 0.50% · 4.625%
HK$7,712
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,540/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$7,610
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,814
−HK$207/mo
Today · 4.125%
HK$8,021
baseline
▲ 0.50% · 4.625%
HK$8,444
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,042/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$8,209
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,464
−HK$260/mo
Today · 4.125%
HK$8,724
baseline
▲ 0.50% · 4.625%
HK$9,254
+HK$530/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,448/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$9,132
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,377
−HK$249/mo
Today · 4.125%
HK$9,626
baseline
▲ 0.50% · 4.625%
HK$10,133
+HK$507/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,252/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$9,577
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,875
−HK$303/mo
Today · 4.125%
HK$10,178
baseline
▲ 0.50% · 4.625%
HK$10,797
+HK$619/mo
Deposit HK$900K · loan HK$2.10M · min. income ≈ HK$20,356/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$10,654
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,940
−HK$290/mo
Today · 4.125%
HK$11,230
baseline
▲ 0.50% · 4.625%
HK$11,822
+HK$592/mo
Deposit HK$900K · loan HK$2.10M · min. income ≈ HK$22,460/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$12,313
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,696
−HK$389/mo
Today · 4.125%
HK$13,085
baseline
▲ 0.50% · 4.625%
HK$13,882
+HK$797/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,170/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$13,698
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,066
−HK$372/mo
Today · 4.125%
HK$14,438
baseline
▲ 0.50% · 4.625%
HK$15,200
+HK$762/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,876/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).