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$7,601
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,838
−HK$240/mo
Today · 4.125%
HK$8,078
baseline
▲ 0.50% · 4.625%
HK$8,570
+HK$492/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,156/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$8,456
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,683
−HK$230/mo
Today · 4.125%
HK$8,913
baseline
▲ 0.50% · 4.625%
HK$9,383
+HK$470/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,826/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$9,122
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,405
−HK$289/mo
Today · 4.125%
HK$9,694
baseline
▲ 0.50% · 4.625%
HK$10,283
+HK$589/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,388/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$10,148
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,420
−HK$276/mo
Today · 4.125%
HK$10,696
baseline
▲ 0.50% · 4.625%
HK$11,260
+HK$564/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,392/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$10,642
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,973
−HK$336/mo
Today · 4.125%
HK$11,309
baseline
▲ 0.50% · 4.625%
HK$11,997
+HK$688/mo
Deposit HK$1.00M · loan HK$2.33M · min. income ≈ HK$22,618/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$11,839
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,156
−HK$323/mo
Today · 4.125%
HK$12,479
baseline
▲ 0.50% · 4.625%
HK$13,136
+HK$657/mo
Deposit HK$1.00M · loan HK$2.33M · min. income ≈ HK$24,958/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$13,682
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,108
−HK$432/mo
Today · 4.125%
HK$14,540
baseline
▲ 0.50% · 4.625%
HK$15,425
+HK$885/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$29,080/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$15,222
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,630
−HK$414/mo
Today · 4.125%
HK$16,044
baseline
▲ 0.50% · 4.625%
HK$16,890
+HK$846/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$32,088/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).