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$7,612
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,849
−HK$241/mo
Today · 4.125%
HK$8,090
baseline
▲ 0.50% · 4.625%
HK$8,582
+HK$492/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,180/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$8,469
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,696
−HK$230/mo
Today · 4.125%
HK$8,926
baseline
▲ 0.50% · 4.625%
HK$9,397
+HK$471/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,852/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$9,135
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,419
−HK$289/mo
Today · 4.125%
HK$9,708
baseline
▲ 0.50% · 4.625%
HK$10,298
+HK$590/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$19,416/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$10,162
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,435
−HK$276/mo
Today · 4.125%
HK$10,711
baseline
▲ 0.50% · 4.625%
HK$11,276
+HK$565/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$21,422/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$10,657
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,989
−HK$336/mo
Today · 4.125%
HK$11,325
baseline
▲ 0.50% · 4.625%
HK$12,015
+HK$690/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,650/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$11,856
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,174
−HK$323/mo
Today · 4.125%
HK$12,497
baseline
▲ 0.50% · 4.625%
HK$13,155
+HK$658/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$24,994/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$13,702
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,128
−HK$433/mo
Today · 4.125%
HK$14,561
baseline
▲ 0.50% · 4.625%
HK$15,447
+HK$886/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$29,122/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$15,243
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,652
−HK$415/mo
Today · 4.125%
HK$16,067
baseline
▲ 0.50% · 4.625%
HK$16,914
+HK$847/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$32,134/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).