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$6,828
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,041
−HK$215/mo
Today · 4.125%
HK$7,256
baseline
▲ 0.50% · 4.625%
HK$7,698
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,512/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$7,596
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,800
−HK$207/mo
Today · 4.125%
HK$8,007
baseline
▲ 0.50% · 4.625%
HK$8,429
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,014/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$8,194
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,449
−HK$259/mo
Today · 4.125%
HK$8,708
baseline
▲ 0.50% · 4.625%
HK$9,237
+HK$529/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,416/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$9,115
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,360
−HK$248/mo
Today · 4.125%
HK$9,608
baseline
▲ 0.50% · 4.625%
HK$10,114
+HK$506/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,216/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$9,559
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,857
−HK$302/mo
Today · 4.125%
HK$10,159
baseline
▲ 0.50% · 4.625%
HK$10,777
+HK$618/mo
Deposit HK$898K · loan HK$2.10M · min. income ≈ HK$20,318/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,635
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,920
−HK$289/mo
Today · 4.125%
HK$11,209
baseline
▲ 0.50% · 4.625%
HK$11,800
+HK$591/mo
Deposit HK$898K · loan HK$2.10M · min. income ≈ HK$22,418/mo (50% DSR)
Upfront cash ≈ HK$898K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,291
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,673
−HK$388/mo
Today · 4.125%
HK$13,061
baseline
▲ 0.50% · 4.625%
HK$13,856
+HK$795/mo
Deposit HK$299K · loan HK$2.70M · min. income ≈ HK$26,122/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$13,673
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,040
−HK$372/mo
Today · 4.125%
HK$14,412
baseline
▲ 0.50% · 4.625%
HK$15,172
+HK$760/mo
Deposit HK$299K · loan HK$2.70M · min. income ≈ HK$28,824/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).