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$7,611
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,847
−HK$241/mo
Today · 4.125%
HK$8,088
baseline
▲ 0.50% · 4.625%
HK$8,580
+HK$492/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,176/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$8,467
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,694
−HK$230/mo
Today · 4.125%
HK$8,924
baseline
▲ 0.50% · 4.625%
HK$9,395
+HK$471/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,848/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$9,133
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,417
−HK$288/mo
Today · 4.125%
HK$9,705
baseline
▲ 0.50% · 4.625%
HK$10,296
+HK$591/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$19,410/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$10,160
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,433
−HK$276/mo
Today · 4.125%
HK$10,709
baseline
▲ 0.50% · 4.625%
HK$11,273
+HK$564/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$21,418/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$10,655
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,986
−HK$337/mo
Today · 4.125%
HK$11,323
baseline
▲ 0.50% · 4.625%
HK$12,012
+HK$689/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,646/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$11,853
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,171
−HK$323/mo
Today · 4.125%
HK$12,494
baseline
▲ 0.50% · 4.625%
HK$13,152
+HK$658/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$24,988/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$13,699
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,125
−HK$433/mo
Today · 4.125%
HK$14,558
baseline
▲ 0.50% · 4.625%
HK$15,444
+HK$886/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$29,116/mo (50% DSR)
Upfront cash ≈ HK$334K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,240
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,649
−HK$414/mo
Today · 4.125%
HK$16,063
baseline
▲ 0.50% · 4.625%
HK$16,910
+HK$847/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$32,126/mo (50% DSR)
Upfront cash ≈ HK$334K (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).