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$7,622
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,859
−HK$241/mo
Today · 4.125%
HK$8,100
baseline
▲ 0.50% · 4.625%
HK$8,593
+HK$493/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,200/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$8,479
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,706
−HK$231/mo
Today · 4.125%
HK$8,937
baseline
▲ 0.50% · 4.625%
HK$9,408
+HK$471/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,874/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$9,146
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,431
−HK$289/mo
Today · 4.125%
HK$9,720
baseline
▲ 0.50% · 4.625%
HK$10,311
+HK$591/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,440/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$10,175
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,448
−HK$277/mo
Today · 4.125%
HK$10,725
baseline
▲ 0.50% · 4.625%
HK$11,290
+HK$565/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,450/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$10,670
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,002
−HK$338/mo
Today · 4.125%
HK$11,340
baseline
▲ 0.50% · 4.625%
HK$12,030
+HK$690/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,680/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$11,871
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,189
−HK$323/mo
Today · 4.125%
HK$12,512
baseline
▲ 0.50% · 4.625%
HK$13,172
+HK$660/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,024/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$13,719
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,146
−HK$433/mo
Today · 4.125%
HK$14,579
baseline
▲ 0.50% · 4.625%
HK$15,467
+HK$888/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$29,158/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$15,262
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,672
−HK$415/mo
Today · 4.125%
HK$16,087
baseline
▲ 0.50% · 4.625%
HK$16,935
+HK$848/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$32,174/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).