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$7,637
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,875
−HK$241/mo
Today · 4.125%
HK$8,116
baseline
▲ 0.50% · 4.625%
HK$8,610
+HK$494/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,232/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$8,496
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,724
−HK$231/mo
Today · 4.125%
HK$8,955
baseline
▲ 0.50% · 4.625%
HK$9,427
+HK$472/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,910/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$9,164
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,450
−HK$289/mo
Today · 4.125%
HK$9,739
baseline
▲ 0.50% · 4.625%
HK$10,332
+HK$593/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,478/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$10,195
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,469
−HK$277/mo
Today · 4.125%
HK$10,746
baseline
▲ 0.50% · 4.625%
HK$11,313
+HK$567/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,492/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$10,692
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,024
−HK$338/mo
Today · 4.125%
HK$11,362
baseline
▲ 0.50% · 4.625%
HK$12,054
+HK$692/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,724/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$11,895
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,214
−HK$323/mo
Today · 4.125%
HK$12,537
baseline
▲ 0.50% · 4.625%
HK$13,198
+HK$661/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,074/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$13,747
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,174
−HK$435/mo
Today · 4.125%
HK$14,609
baseline
▲ 0.50% · 4.625%
HK$15,498
+HK$889/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$29,218/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$15,293
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,703
−HK$416/mo
Today · 4.125%
HK$16,119
baseline
▲ 0.50% · 4.625%
HK$16,969
+HK$850/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$32,238/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).