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$429/mo
▼ 0.25% · 3.875%
HK$7,045
−HK$216/mo
Today · 4.125%
HK$7,261
baseline
▲ 0.50% · 4.625%
HK$7,703
+HK$442/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$14,522/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$7,601
−HK$411/mo
▼ 0.25% · 3.875%
HK$7,805
−HK$207/mo
Today · 4.125%
HK$8,012
baseline
▲ 0.50% · 4.625%
HK$8,434
+HK$422/mo
Deposit HK$1.50M · loan HK$1.50M · min. income ≈ HK$16,024/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$8,199
−HK$514/mo
▼ 0.25% · 3.875%
HK$8,454
−HK$259/mo
Today · 4.125%
HK$8,713
baseline
▲ 0.50% · 4.625%
HK$9,243
+HK$530/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$17,426/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$9,121
−HK$493/mo
▼ 0.25% · 3.875%
HK$9,366
−HK$248/mo
Today · 4.125%
HK$9,614
baseline
▲ 0.50% · 4.625%
HK$10,121
+HK$507/mo
Deposit HK$1.20M · loan HK$1.80M · min. income ≈ HK$19,228/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$9,565
−HK$600/mo
▼ 0.25% · 3.875%
HK$9,863
−HK$302/mo
Today · 4.125%
HK$10,165
baseline
▲ 0.50% · 4.625%
HK$10,784
+HK$619/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$20,330/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$10,641
−HK$575/mo
▼ 0.25% · 3.875%
HK$10,927
−HK$289/mo
Today · 4.125%
HK$11,216
baseline
▲ 0.50% · 4.625%
HK$11,808
+HK$592/mo
Deposit HK$899K · loan HK$2.10M · min. income ≈ HK$22,432/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$12,298
−HK$772/mo
▼ 0.25% · 3.875%
HK$12,681
−HK$389/mo
Today · 4.125%
HK$13,070
baseline
▲ 0.50% · 4.625%
HK$13,865
+HK$795/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,140/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$13,682
−HK$739/mo
▼ 0.25% · 3.875%
HK$14,049
−HK$372/mo
Today · 4.125%
HK$14,421
baseline
▲ 0.50% · 4.625%
HK$15,181
+HK$760/mo
Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$28,842/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).