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$6,861
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,074
−HK$217/mo
Today · 4.125%
HK$7,291
baseline
▲ 0.50% · 4.625%
HK$7,734
+HK$443/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,582/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$7,632
−HK$413/mo
▼ 0.25% · 3.875%
HK$7,837
−HK$208/mo
Today · 4.125%
HK$8,045
baseline
▲ 0.50% · 4.625%
HK$8,469
+HK$424/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,090/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$8,233
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,489
−HK$260/mo
Today · 4.125%
HK$8,749
baseline
▲ 0.50% · 4.625%
HK$9,281
+HK$532/mo
Deposit HK$1.20M · loan HK$1.81M · min. income ≈ HK$17,498/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$9,159
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,404
−HK$250/mo
Today · 4.125%
HK$9,654
baseline
▲ 0.50% · 4.625%
HK$10,162
+HK$508/mo
Deposit HK$1.20M · loan HK$1.81M · min. income ≈ HK$19,308/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$9,605
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,904
−HK$303/mo
Today · 4.125%
HK$10,207
baseline
▲ 0.50% · 4.625%
HK$10,828
+HK$621/mo
Deposit HK$903K · loan HK$2.11M · min. income ≈ HK$20,414/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,685
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,972
−HK$290/mo
Today · 4.125%
HK$11,262
baseline
▲ 0.50% · 4.625%
HK$11,856
+HK$594/mo
Deposit HK$903K · loan HK$2.11M · min. income ≈ HK$22,524/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,349
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,733
−HK$390/mo
Today · 4.125%
HK$13,123
baseline
▲ 0.50% · 4.625%
HK$13,922
+HK$799/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,246/mo (50% DSR)
Upfront cash ≈ HK$301K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,738
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,107
−HK$373/mo
Today · 4.125%
HK$14,480
baseline
▲ 0.50% · 4.625%
HK$15,244
+HK$764/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$28,960/mo (50% DSR)
Upfront cash ≈ HK$301K (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).