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$7,623
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,860
−HK$241/mo
Today · 4.125%
HK$8,101
baseline
▲ 0.50% · 4.625%
HK$8,594
+HK$493/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,202/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$8,480
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,707
−HK$231/mo
Today · 4.125%
HK$8,938
baseline
▲ 0.50% · 4.625%
HK$9,409
+HK$471/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,876/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$9,147
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,432
−HK$289/mo
Today · 4.125%
HK$9,721
baseline
▲ 0.50% · 4.625%
HK$10,312
+HK$591/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,442/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$10,176
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,449
−HK$277/mo
Today · 4.125%
HK$10,726
baseline
▲ 0.50% · 4.625%
HK$11,291
+HK$565/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,452/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$10,672
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,004
−HK$337/mo
Today · 4.125%
HK$11,341
baseline
▲ 0.50% · 4.625%
HK$12,031
+HK$690/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,682/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$11,872
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,190
−HK$323/mo
Today · 4.125%
HK$12,513
baseline
▲ 0.50% · 4.625%
HK$13,173
+HK$660/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,026/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$13,721
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,147
−HK$434/mo
Today · 4.125%
HK$14,581
baseline
▲ 0.50% · 4.625%
HK$15,468
+HK$887/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$29,162/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$15,264
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,673
−HK$416/mo
Today · 4.125%
HK$16,089
baseline
▲ 0.50% · 4.625%
HK$16,937
+HK$848/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$32,178/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).