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$7,625
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,862
−HK$241/mo
Today · 4.125%
HK$8,103
baseline
▲ 0.50% · 4.625%
HK$8,596
+HK$493/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,206/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,483
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,710
−HK$231/mo
Today · 4.125%
HK$8,941
baseline
▲ 0.50% · 4.625%
HK$9,412
+HK$471/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,882/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,150
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,434
−HK$290/mo
Today · 4.125%
HK$9,724
baseline
▲ 0.50% · 4.625%
HK$10,315
+HK$591/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,448/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,179
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,452
−HK$277/mo
Today · 4.125%
HK$10,729
baseline
▲ 0.50% · 4.625%
HK$11,295
+HK$566/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,458/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,675
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,007
−HK$337/mo
Today · 4.125%
HK$11,344
baseline
▲ 0.50% · 4.625%
HK$12,034
+HK$690/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,688/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,876
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,194
−HK$323/mo
Today · 4.125%
HK$12,517
baseline
▲ 0.50% · 4.625%
HK$13,177
+HK$660/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,034/mo (50% DSR)
Upfront cash ≈ HK$1.00M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,725
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,152
−HK$433/mo
Today · 4.125%
HK$14,585
baseline
▲ 0.50% · 4.625%
HK$15,473
+HK$888/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$29,170/mo (50% DSR)
Upfront cash ≈ HK$334K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,269
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,678
−HK$416/mo
Today · 4.125%
HK$16,094
baseline
▲ 0.50% · 4.625%
HK$16,942
+HK$848/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$32,188/mo (50% DSR)
Upfront cash ≈ HK$334K (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).