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$6,825
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,037
−HK$215/mo
Today · 4.125%
HK$7,252
baseline
▲ 0.50% · 4.625%
HK$7,694
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,504/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$7,592
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,796
−HK$206/mo
Today · 4.125%
HK$8,002
baseline
▲ 0.50% · 4.625%
HK$8,424
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,004/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$8,189
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,444
−HK$259/mo
Today · 4.125%
HK$8,703
baseline
▲ 0.50% · 4.625%
HK$9,233
+HK$530/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,406/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$9,111
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,355
−HK$248/mo
Today · 4.125%
HK$9,603
baseline
▲ 0.50% · 4.625%
HK$10,109
+HK$506/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,206/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$9,554
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,851
−HK$302/mo
Today · 4.125%
HK$10,153
baseline
▲ 0.50% · 4.625%
HK$10,771
+HK$618/mo
Deposit HK$898K · loan HK$2.10M · min. income ≈ HK$20,306/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$10,629
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,914
−HK$289/mo
Today · 4.125%
HK$11,203
baseline
▲ 0.50% · 4.625%
HK$11,794
+HK$591/mo
Deposit HK$898K · loan HK$2.10M · min. income ≈ HK$22,406/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$12,284
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,666
−HK$388/mo
Today · 4.125%
HK$13,054
baseline
▲ 0.50% · 4.625%
HK$13,849
+HK$795/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,108/mo (50% DSR)
Upfront cash ≈ HK$299K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,666
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,032
−HK$372/mo
Today · 4.125%
HK$14,404
baseline
▲ 0.50% · 4.625%
HK$15,164
+HK$760/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,808/mo (50% DSR)
Upfront cash ≈ HK$299K (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).