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$6,821
−HK$427/mo
▼ 0.25% · 3.875%
HK$7,033
−HK$215/mo
Today · 4.125%
HK$7,248
baseline
▲ 0.50% · 4.625%
HK$7,689
+HK$441/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,496/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$7,588
−HK$410/mo
▼ 0.25% · 3.875%
HK$7,791
−HK$207/mo
Today · 4.125%
HK$7,998
baseline
▲ 0.50% · 4.625%
HK$8,420
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$15,996/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$8,185
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,439
−HK$259/mo
Today · 4.125%
HK$8,698
baseline
▲ 0.50% · 4.625%
HK$9,227
+HK$529/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$17,396/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$9,106
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,350
−HK$248/mo
Today · 4.125%
HK$9,598
baseline
▲ 0.50% · 4.625%
HK$10,103
+HK$505/mo
Deposit HK$1.20M · loan HK$1.79M · min. income ≈ HK$19,196/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$9,549
−HK$599/mo
▼ 0.25% · 3.875%
HK$9,846
−HK$302/mo
Today · 4.125%
HK$10,148
baseline
▲ 0.50% · 4.625%
HK$10,765
+HK$617/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$20,296/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,623
−HK$574/mo
▼ 0.25% · 3.875%
HK$10,908
−HK$289/mo
Today · 4.125%
HK$11,197
baseline
▲ 0.50% · 4.625%
HK$11,787
+HK$590/mo
Deposit HK$897K · loan HK$2.09M · min. income ≈ HK$22,394/mo (50% DSR)
Upfront cash ≈ HK$897K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,277
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,659
−HK$388/mo
Today · 4.125%
HK$13,047
baseline
▲ 0.50% · 4.625%
HK$13,841
+HK$794/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,094/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$13,658
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,025
−HK$371/mo
Today · 4.125%
HK$14,396
baseline
▲ 0.50% · 4.625%
HK$15,155
+HK$759/mo
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$28,792/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).