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$6,860
−HK$430/mo
▼ 0.25% · 3.875%
HK$7,073
−HK$217/mo
Today · 4.125%
HK$7,290
baseline
▲ 0.50% · 4.625%
HK$7,734
+HK$444/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,580/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$7,632
−HK$412/mo
▼ 0.25% · 3.875%
HK$7,836
−HK$208/mo
Today · 4.125%
HK$8,044
baseline
▲ 0.50% · 4.625%
HK$8,468
+HK$424/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,088/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$8,232
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,488
−HK$260/mo
Today · 4.125%
HK$8,748
baseline
▲ 0.50% · 4.625%
HK$9,280
+HK$532/mo
Deposit HK$1.20M · loan HK$1.81M · min. income ≈ HK$17,496/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$9,158
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,404
−HK$249/mo
Today · 4.125%
HK$9,653
baseline
▲ 0.50% · 4.625%
HK$10,161
+HK$508/mo
Deposit HK$1.20M · loan HK$1.81M · min. income ≈ HK$19,306/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$9,604
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,903
−HK$303/mo
Today · 4.125%
HK$10,206
baseline
▲ 0.50% · 4.625%
HK$10,827
+HK$621/mo
Deposit HK$903K · loan HK$2.11M · min. income ≈ HK$20,412/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,684
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,971
−HK$290/mo
Today · 4.125%
HK$11,261
baseline
▲ 0.50% · 4.625%
HK$11,855
+HK$594/mo
Deposit HK$903K · loan HK$2.11M · min. income ≈ HK$22,522/mo (50% DSR)
Upfront cash ≈ HK$903K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,348
−HK$774/mo
▼ 0.25% · 3.875%
HK$12,732
−HK$390/mo
Today · 4.125%
HK$13,122
baseline
▲ 0.50% · 4.625%
HK$13,921
+HK$799/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,244/mo (50% DSR)
Upfront cash ≈ HK$301K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,737
−HK$742/mo
▼ 0.25% · 3.875%
HK$14,105
−HK$374/mo
Today · 4.125%
HK$14,479
baseline
▲ 0.50% · 4.625%
HK$15,242
+HK$763/mo
Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$28,958/mo (50% DSR)
Upfront cash ≈ HK$301K (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).