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$7,619
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,856
−HK$241/mo
Today · 4.125%
HK$8,097
baseline
▲ 0.50% · 4.625%
HK$8,589
+HK$492/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,194/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$8,476
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,703
−HK$231/mo
Today · 4.125%
HK$8,934
baseline
▲ 0.50% · 4.625%
HK$9,405
+HK$471/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,868/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$9,143
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,427
−HK$289/mo
Today · 4.125%
HK$9,716
baseline
▲ 0.50% · 4.625%
HK$10,307
+HK$591/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$19,432/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$10,171
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,444
−HK$277/mo
Today · 4.125%
HK$10,721
baseline
▲ 0.50% · 4.625%
HK$11,286
+HK$565/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$21,442/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$10,666
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,998
−HK$337/mo
Today · 4.125%
HK$11,335
baseline
▲ 0.50% · 4.625%
HK$12,025
+HK$690/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,670/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$11,866
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,185
−HK$322/mo
Today · 4.125%
HK$12,507
baseline
▲ 0.50% · 4.625%
HK$13,167
+HK$660/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,014/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$13,714
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,141
−HK$433/mo
Today · 4.125%
HK$14,574
baseline
▲ 0.50% · 4.625%
HK$15,461
+HK$887/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$29,148/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$15,257
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,666
−HK$415/mo
Today · 4.125%
HK$16,081
baseline
▲ 0.50% · 4.625%
HK$16,929
+HK$848/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$32,162/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).