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$7,632
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,869
−HK$242/mo
Today · 4.125%
HK$8,111
baseline
▲ 0.50% · 4.625%
HK$8,604
+HK$493/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,222/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$8,491
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,718
−HK$231/mo
Today · 4.125%
HK$8,949
baseline
▲ 0.50% · 4.625%
HK$9,421
+HK$472/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,898/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$9,158
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,443
−HK$290/mo
Today · 4.125%
HK$9,733
baseline
▲ 0.50% · 4.625%
HK$10,325
+HK$592/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,466/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$10,189
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,462
−HK$277/mo
Today · 4.125%
HK$10,739
baseline
▲ 0.50% · 4.625%
HK$11,305
+HK$566/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,478/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$10,685
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,017
−HK$338/mo
Today · 4.125%
HK$11,355
baseline
▲ 0.50% · 4.625%
HK$12,046
+HK$691/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,710/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$11,887
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,206
−HK$323/mo
Today · 4.125%
HK$12,529
baseline
▲ 0.50% · 4.625%
HK$13,189
+HK$660/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,058/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$13,738
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,165
−HK$434/mo
Today · 4.125%
HK$14,599
baseline
▲ 0.50% · 4.625%
HK$15,488
+HK$889/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$29,198/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$15,283
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,693
−HK$416/mo
Today · 4.125%
HK$16,109
baseline
▲ 0.50% · 4.625%
HK$16,958
+HK$849/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$32,218/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).