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$7,635
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,873
−HK$241/mo
Today · 4.125%
HK$8,114
baseline
▲ 0.50% · 4.625%
HK$8,608
+HK$494/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,228/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$8,494
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,722
−HK$231/mo
Today · 4.125%
HK$8,953
baseline
▲ 0.50% · 4.625%
HK$9,425
+HK$472/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,906/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$9,162
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,447
−HK$290/mo
Today · 4.125%
HK$9,737
baseline
▲ 0.50% · 4.625%
HK$10,330
+HK$593/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,474/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$10,193
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,467
−HK$277/mo
Today · 4.125%
HK$10,744
baseline
▲ 0.50% · 4.625%
HK$11,310
+HK$566/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,488/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$10,690
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,022
−HK$338/mo
Today · 4.125%
HK$11,360
baseline
▲ 0.50% · 4.625%
HK$12,051
+HK$691/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,720/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$11,892
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,211
−HK$324/mo
Today · 4.125%
HK$12,535
baseline
▲ 0.50% · 4.625%
HK$13,195
+HK$660/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,070/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$13,744
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,171
−HK$435/mo
Today · 4.125%
HK$14,606
baseline
▲ 0.50% · 4.625%
HK$15,494
+HK$888/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$29,212/mo (50% DSR)
Upfront cash ≈ HK$335K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,290
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,700
−HK$416/mo
Today · 4.125%
HK$16,116
baseline
▲ 0.50% · 4.625%
HK$16,965
+HK$849/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$32,232/mo (50% DSR)
Upfront cash ≈ HK$335K (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).