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$6,841
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,054
−HK$216/mo
Today · 4.125%
HK$7,270
baseline
▲ 0.50% · 4.625%
HK$7,713
+HK$443/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,540/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$7,611
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,815
−HK$207/mo
Today · 4.125%
HK$8,022
baseline
▲ 0.50% · 4.625%
HK$8,445
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,044/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$8,210
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,465
−HK$259/mo
Today · 4.125%
HK$8,724
baseline
▲ 0.50% · 4.625%
HK$9,255
+HK$531/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,448/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$9,133
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,378
−HK$249/mo
Today · 4.125%
HK$9,627
baseline
▲ 0.50% · 4.625%
HK$10,134
+HK$507/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,254/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$9,578
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,876
−HK$302/mo
Today · 4.125%
HK$10,178
baseline
▲ 0.50% · 4.625%
HK$10,798
+HK$620/mo
Deposit HK$900K · loan HK$2.10M · min. income ≈ HK$20,356/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,655
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,941
−HK$290/mo
Today · 4.125%
HK$11,231
baseline
▲ 0.50% · 4.625%
HK$11,823
+HK$592/mo
Deposit HK$900K · loan HK$2.10M · min. income ≈ HK$22,462/mo (50% DSR)
Upfront cash ≈ HK$900K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,314
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,697
−HK$390/mo
Today · 4.125%
HK$13,087
baseline
▲ 0.50% · 4.625%
HK$13,883
+HK$796/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,174/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$13,700
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,067
−HK$373/mo
Today · 4.125%
HK$14,440
baseline
▲ 0.50% · 4.625%
HK$15,201
+HK$761/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,880/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).