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$7,634
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,871
−HK$242/mo
Today · 4.125%
HK$8,113
baseline
▲ 0.50% · 4.625%
HK$8,606
+HK$493/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,226/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$8,493
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,720
−HK$231/mo
Today · 4.125%
HK$8,951
baseline
▲ 0.50% · 4.625%
HK$9,423
+HK$472/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,902/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$9,161
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,446
−HK$289/mo
Today · 4.125%
HK$9,735
baseline
▲ 0.50% · 4.625%
HK$10,327
+HK$592/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,470/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$10,191
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,464
−HK$278/mo
Today · 4.125%
HK$10,742
baseline
▲ 0.50% · 4.625%
HK$11,308
+HK$566/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,484/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$10,687
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,020
−HK$338/mo
Today · 4.125%
HK$11,358
baseline
▲ 0.50% · 4.625%
HK$12,049
+HK$691/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,716/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$11,890
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,208
−HK$324/mo
Today · 4.125%
HK$12,532
baseline
▲ 0.50% · 4.625%
HK$13,192
+HK$660/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,064/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$13,741
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,168
−HK$435/mo
Today · 4.125%
HK$14,603
baseline
▲ 0.50% · 4.625%
HK$15,491
+HK$888/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$29,206/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$15,287
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,697
−HK$415/mo
Today · 4.125%
HK$16,112
baseline
▲ 0.50% · 4.625%
HK$16,962
+HK$850/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$32,224/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).