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$6,846
−HK$429/mo
▼ 0.25% · 3.875%
HK$7,059
−HK$216/mo
Today · 4.125%
HK$7,275
baseline
▲ 0.50% · 4.625%
HK$7,718
+HK$443/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,550/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$7,616
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,820
−HK$207/mo
Today · 4.125%
HK$8,027
baseline
▲ 0.50% · 4.625%
HK$8,450
+HK$423/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,054/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$8,215
−HK$515/mo
▼ 0.25% · 3.875%
HK$8,470
−HK$260/mo
Today · 4.125%
HK$8,730
baseline
▲ 0.50% · 4.625%
HK$9,261
+HK$531/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,460/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$9,139
−HK$494/mo
▼ 0.25% · 3.875%
HK$9,384
−HK$249/mo
Today · 4.125%
HK$9,633
baseline
▲ 0.50% · 4.625%
HK$10,141
+HK$508/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,266/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$9,584
−HK$601/mo
▼ 0.25% · 3.875%
HK$9,882
−HK$303/mo
Today · 4.125%
HK$10,185
baseline
▲ 0.50% · 4.625%
HK$10,805
+HK$620/mo
Deposit HK$901K · loan HK$2.10M · min. income ≈ HK$20,370/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,662
−HK$576/mo
▼ 0.25% · 3.875%
HK$10,948
−HK$290/mo
Today · 4.125%
HK$11,238
baseline
▲ 0.50% · 4.625%
HK$11,831
+HK$593/mo
Deposit HK$901K · loan HK$2.10M · min. income ≈ HK$22,476/mo (50% DSR)
Upfront cash ≈ HK$901K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,322
−HK$773/mo
▼ 0.25% · 3.875%
HK$12,706
−HK$389/mo
Today · 4.125%
HK$13,095
baseline
▲ 0.50% · 4.625%
HK$13,892
+HK$797/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,190/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$13,709
−HK$740/mo
▼ 0.25% · 3.875%
HK$14,076
−HK$373/mo
Today · 4.125%
HK$14,449
baseline
▲ 0.50% · 4.625%
HK$15,211
+HK$762/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,898/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).