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$6,832
−HK$428/mo
▼ 0.25% · 3.875%
HK$7,044
−HK$216/mo
Today · 4.125%
HK$7,260
baseline
▲ 0.50% · 4.625%
HK$7,702
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,520/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$7,600
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,804
−HK$207/mo
Today · 4.125%
HK$8,011
baseline
▲ 0.50% · 4.625%
HK$8,433
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,022/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$8,198
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,453
−HK$259/mo
Today · 4.125%
HK$8,712
baseline
▲ 0.50% · 4.625%
HK$9,242
+HK$530/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,424/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$9,120
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,365
−HK$248/mo
Today · 4.125%
HK$9,613
baseline
▲ 0.50% · 4.625%
HK$10,120
+HK$507/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,226/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$9,564
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,862
−HK$302/mo
Today · 4.125%
HK$10,164
baseline
▲ 0.50% · 4.625%
HK$10,783
+HK$619/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$20,328/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$10,640
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,926
−HK$289/mo
Today · 4.125%
HK$11,215
baseline
▲ 0.50% · 4.625%
HK$11,806
+HK$591/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$22,430/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$12,297
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,679
−HK$389/mo
Today · 4.125%
HK$13,068
baseline
▲ 0.50% · 4.625%
HK$13,863
+HK$795/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,136/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$13,680
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,047
−HK$372/mo
Today · 4.125%
HK$14,419
baseline
▲ 0.50% · 4.625%
HK$15,179
+HK$760/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,838/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).