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$7,597
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,834
−HK$240/mo
Today · 4.125%
HK$8,074
baseline
▲ 0.50% · 4.625%
HK$8,565
+HK$491/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,148/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$8,452
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,678
−HK$230/mo
Today · 4.125%
HK$8,908
baseline
▲ 0.50% · 4.625%
HK$9,378
+HK$470/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,816/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$9,117
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,400
−HK$288/mo
Today · 4.125%
HK$9,688
baseline
▲ 0.50% · 4.625%
HK$10,278
+HK$590/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,376/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$10,142
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,414
−HK$276/mo
Today · 4.125%
HK$10,690
baseline
▲ 0.50% · 4.625%
HK$11,254
+HK$564/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,380/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$10,636
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,967
−HK$336/mo
Today · 4.125%
HK$11,303
baseline
▲ 0.50% · 4.625%
HK$11,991
+HK$688/mo
Deposit HK$1000K · loan HK$2.33M · min. income ≈ HK$22,606/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,833
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,150
−HK$322/mo
Today · 4.125%
HK$12,472
baseline
▲ 0.50% · 4.625%
HK$13,129
+HK$657/mo
Deposit HK$1000K · loan HK$2.33M · min. income ≈ HK$24,944/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,675
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,100
−HK$432/mo
Today · 4.125%
HK$14,532
baseline
▲ 0.50% · 4.625%
HK$15,417
+HK$885/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$29,064/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$15,213
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,621
−HK$414/mo
Today · 4.125%
HK$16,035
baseline
▲ 0.50% · 4.625%
HK$16,880
+HK$845/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$32,070/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).