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$7,607
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,843
−HK$241/mo
Today · 4.125%
HK$8,084
baseline
▲ 0.50% · 4.625%
HK$8,576
+HK$492/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,168/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$8,463
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,690
−HK$230/mo
Today · 4.125%
HK$8,920
baseline
▲ 0.50% · 4.625%
HK$9,390
+HK$470/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,840/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$9,128
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,412
−HK$289/mo
Today · 4.125%
HK$9,701
baseline
▲ 0.50% · 4.625%
HK$10,291
+HK$590/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,402/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,155
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,427
−HK$277/mo
Today · 4.125%
HK$10,704
baseline
▲ 0.50% · 4.625%
HK$11,268
+HK$564/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,408/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,650
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,981
−HK$336/mo
Today · 4.125%
HK$11,317
baseline
▲ 0.50% · 4.625%
HK$12,006
+HK$689/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,634/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$11,848
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,165
−HK$323/mo
Today · 4.125%
HK$12,488
baseline
▲ 0.50% · 4.625%
HK$13,146
+HK$658/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$24,976/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$13,692
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,118
−HK$433/mo
Today · 4.125%
HK$14,551
baseline
▲ 0.50% · 4.625%
HK$15,436
+HK$885/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$29,102/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$15,233
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,641
−HK$415/mo
Today · 4.125%
HK$16,056
baseline
▲ 0.50% · 4.625%
HK$16,902
+HK$846/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$32,112/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).