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$7,605
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,841
−HK$241/mo
Today · 4.125%
HK$8,082
baseline
▲ 0.50% · 4.625%
HK$8,574
+HK$492/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,164/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$8,460
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,687
−HK$231/mo
Today · 4.125%
HK$8,918
baseline
▲ 0.50% · 4.625%
HK$9,388
+HK$470/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,836/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$9,126
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,410
−HK$288/mo
Today · 4.125%
HK$9,698
baseline
▲ 0.50% · 4.625%
HK$10,288
+HK$590/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,396/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$10,152
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,425
−HK$276/mo
Today · 4.125%
HK$10,701
baseline
▲ 0.50% · 4.625%
HK$11,265
+HK$564/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,402/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$10,647
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,978
−HK$337/mo
Today · 4.125%
HK$11,315
baseline
▲ 0.50% · 4.625%
HK$12,003
+HK$688/mo
Deposit HK$1.00M · loan HK$2.33M · min. income ≈ HK$22,630/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$11,845
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,162
−HK$323/mo
Today · 4.125%
HK$12,485
baseline
▲ 0.50% · 4.625%
HK$13,143
+HK$658/mo
Deposit HK$1.00M · loan HK$2.33M · min. income ≈ HK$24,970/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$13,689
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,115
−HK$432/mo
Today · 4.125%
HK$14,547
baseline
▲ 0.50% · 4.625%
HK$15,432
+HK$885/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$29,094/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$15,229
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,637
−HK$415/mo
Today · 4.125%
HK$16,052
baseline
▲ 0.50% · 4.625%
HK$16,898
+HK$846/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$32,104/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).