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$7,620
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,857
−HK$241/mo
Today · 4.125%
HK$8,098
baseline
▲ 0.50% · 4.625%
HK$8,591
+HK$493/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,196/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$8,478
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,705
−HK$231/mo
Today · 4.125%
HK$8,936
baseline
▲ 0.50% · 4.625%
HK$9,407
+HK$471/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,872/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$9,145
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,429
−HK$289/mo
Today · 4.125%
HK$9,718
baseline
▲ 0.50% · 4.625%
HK$10,309
+HK$591/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,436/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$10,173
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,446
−HK$277/mo
Today · 4.125%
HK$10,723
baseline
▲ 0.50% · 4.625%
HK$11,288
+HK$565/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,446/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$10,669
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,000
−HK$338/mo
Today · 4.125%
HK$11,338
baseline
▲ 0.50% · 4.625%
HK$12,027
+HK$689/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,676/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$11,869
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,187
−HK$323/mo
Today · 4.125%
HK$12,510
baseline
▲ 0.50% · 4.625%
HK$13,169
+HK$659/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,020/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$13,717
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,143
−HK$434/mo
Today · 4.125%
HK$14,577
baseline
▲ 0.50% · 4.625%
HK$15,464
+HK$887/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$29,154/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$15,260
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,669
−HK$415/mo
Today · 4.125%
HK$16,084
baseline
▲ 0.50% · 4.625%
HK$16,932
+HK$848/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$32,168/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).