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$7,627
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,864
−HK$241/mo
Today · 4.125%
HK$8,105
baseline
▲ 0.50% · 4.625%
HK$8,598
+HK$493/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,210/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$8,485
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,712
−HK$231/mo
Today · 4.125%
HK$8,943
baseline
▲ 0.50% · 4.625%
HK$9,414
+HK$471/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,886/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$9,152
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,437
−HK$289/mo
Today · 4.125%
HK$9,726
baseline
▲ 0.50% · 4.625%
HK$10,318
+HK$592/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,452/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$10,182
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,455
−HK$277/mo
Today · 4.125%
HK$10,732
baseline
▲ 0.50% · 4.625%
HK$11,297
+HK$565/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,464/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$10,677
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,010
−HK$337/mo
Today · 4.125%
HK$11,347
baseline
▲ 0.50% · 4.625%
HK$12,037
+HK$690/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,694/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$11,878
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,197
−HK$323/mo
Today · 4.125%
HK$12,520
baseline
▲ 0.50% · 4.625%
HK$13,180
+HK$660/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,040/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$13,728
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,155
−HK$434/mo
Today · 4.125%
HK$14,589
baseline
▲ 0.50% · 4.625%
HK$15,477
+HK$888/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$29,178/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$15,272
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,682
−HK$415/mo
Today · 4.125%
HK$16,097
baseline
▲ 0.50% · 4.625%
HK$16,946
+HK$849/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$32,194/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).