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$6,835
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,047
−HK$216/mo
Today · 4.125%
HK$7,263
baseline
▲ 0.50% · 4.625%
HK$7,705
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,526/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$7,604
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,808
−HK$206/mo
Today · 4.125%
HK$8,014
baseline
▲ 0.50% · 4.625%
HK$8,437
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,028/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$8,202
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,457
−HK$259/mo
Today · 4.125%
HK$8,716
baseline
▲ 0.50% · 4.625%
HK$9,246
+HK$530/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,432/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$9,124
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,369
−HK$248/mo
Today · 4.125%
HK$9,617
baseline
▲ 0.50% · 4.625%
HK$10,124
+HK$507/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,234/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$9,569
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,866
−HK$303/mo
Today · 4.125%
HK$10,169
baseline
▲ 0.50% · 4.625%
HK$10,787
+HK$618/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$20,338/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,645
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,931
−HK$289/mo
Today · 4.125%
HK$11,220
baseline
▲ 0.50% · 4.625%
HK$11,812
+HK$592/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$22,440/mo (50% DSR)
Upfront cash ≈ HK$899K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,303
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,685
−HK$389/mo
Today · 4.125%
HK$13,074
baseline
▲ 0.50% · 4.625%
HK$13,870
+HK$796/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,148/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$13,686
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,054
−HK$372/mo
Today · 4.125%
HK$14,426
baseline
▲ 0.50% · 4.625%
HK$15,186
+HK$760/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,852/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).