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$7,602
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,839
−HK$240/mo
Today · 4.125%
HK$8,079
baseline
▲ 0.50% · 4.625%
HK$8,571
+HK$492/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,158/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$8,457
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,684
−HK$230/mo
Today · 4.125%
HK$8,914
baseline
▲ 0.50% · 4.625%
HK$9,384
+HK$470/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,828/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$9,123
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,407
−HK$288/mo
Today · 4.125%
HK$9,695
baseline
▲ 0.50% · 4.625%
HK$10,285
+HK$590/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,390/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,149
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,421
−HK$276/mo
Today · 4.125%
HK$10,697
baseline
▲ 0.50% · 4.625%
HK$11,261
+HK$564/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,394/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,643
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,974
−HK$337/mo
Today · 4.125%
HK$11,311
baseline
▲ 0.50% · 4.625%
HK$11,999
+HK$688/mo
Deposit HK$1.00M · loan HK$2.33M · min. income ≈ HK$22,622/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$11,840
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,158
−HK$322/mo
Today · 4.125%
HK$12,480
baseline
▲ 0.50% · 4.625%
HK$13,138
+HK$658/mo
Deposit HK$1.00M · loan HK$2.33M · min. income ≈ HK$24,960/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$13,684
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,110
−HK$432/mo
Today · 4.125%
HK$14,542
baseline
▲ 0.50% · 4.625%
HK$15,427
+HK$885/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$29,084/mo (50% DSR)
Upfront cash ≈ HK$333K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,223
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,632
−HK$414/mo
Today · 4.125%
HK$16,046
baseline
▲ 0.50% · 4.625%
HK$16,892
+HK$846/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$32,092/mo (50% DSR)
Upfront cash ≈ HK$333K (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).