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$7,619
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,856
−HK$240/mo
Today · 4.125%
HK$8,096
baseline
▲ 0.50% · 4.625%
HK$8,589
+HK$493/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,192/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$8,476
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,703
−HK$230/mo
Today · 4.125%
HK$8,933
baseline
▲ 0.50% · 4.625%
HK$9,404
+HK$471/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,866/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$9,142
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,427
−HK$289/mo
Today · 4.125%
HK$9,716
baseline
▲ 0.50% · 4.625%
HK$10,307
+HK$591/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$19,432/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$10,171
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,443
−HK$277/mo
Today · 4.125%
HK$10,720
baseline
▲ 0.50% · 4.625%
HK$11,285
+HK$565/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$21,440/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$10,666
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,998
−HK$337/mo
Today · 4.125%
HK$11,335
baseline
▲ 0.50% · 4.625%
HK$12,024
+HK$689/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,670/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$11,866
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,184
−HK$323/mo
Today · 4.125%
HK$12,507
baseline
▲ 0.50% · 4.625%
HK$13,166
+HK$659/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,014/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$13,713
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,140
−HK$433/mo
Today · 4.125%
HK$14,573
baseline
▲ 0.50% · 4.625%
HK$15,460
+HK$887/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$29,146/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$15,256
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,665
−HK$415/mo
Today · 4.125%
HK$16,080
baseline
▲ 0.50% · 4.625%
HK$16,928
+HK$848/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$32,160/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).