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$7,603
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,840
−HK$240/mo
Today · 4.125%
HK$8,080
baseline
▲ 0.50% · 4.625%
HK$8,571
+HK$491/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,160/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$8,458
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,685
−HK$230/mo
Today · 4.125%
HK$8,915
baseline
▲ 0.50% · 4.625%
HK$9,385
+HK$470/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,830/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$9,124
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,407
−HK$289/mo
Today · 4.125%
HK$9,696
baseline
▲ 0.50% · 4.625%
HK$10,286
+HK$590/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,392/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$10,150
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,422
−HK$276/mo
Today · 4.125%
HK$10,698
baseline
▲ 0.50% · 4.625%
HK$11,262
+HK$564/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,396/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$10,644
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,975
−HK$337/mo
Today · 4.125%
HK$11,312
baseline
▲ 0.50% · 4.625%
HK$12,000
+HK$688/mo
Deposit HK$1.00M · loan HK$2.33M · min. income ≈ HK$22,624/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$11,842
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,159
−HK$322/mo
Today · 4.125%
HK$12,481
baseline
▲ 0.50% · 4.625%
HK$13,139
+HK$658/mo
Deposit HK$1.00M · loan HK$2.33M · min. income ≈ HK$24,962/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$13,685
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,111
−HK$433/mo
Today · 4.125%
HK$14,544
baseline
▲ 0.50% · 4.625%
HK$15,429
+HK$885/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$29,088/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$15,225
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,633
−HK$415/mo
Today · 4.125%
HK$16,048
baseline
▲ 0.50% · 4.625%
HK$16,893
+HK$845/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$32,096/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).