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$7,606
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,843
−HK$240/mo
Today · 4.125%
HK$8,083
baseline
▲ 0.50% · 4.625%
HK$8,575
+HK$492/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,166/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$8,462
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,689
−HK$230/mo
Today · 4.125%
HK$8,919
baseline
▲ 0.50% · 4.625%
HK$9,389
+HK$470/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,838/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$9,127
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,411
−HK$289/mo
Today · 4.125%
HK$9,700
baseline
▲ 0.50% · 4.625%
HK$10,290
+HK$590/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,400/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$10,154
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,426
−HK$277/mo
Today · 4.125%
HK$10,703
baseline
▲ 0.50% · 4.625%
HK$11,267
+HK$564/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,406/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$10,648
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,980
−HK$336/mo
Today · 4.125%
HK$11,316
baseline
▲ 0.50% · 4.625%
HK$12,005
+HK$689/mo
Deposit HK$1.00M · loan HK$2.33M · min. income ≈ HK$22,632/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$11,846
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,164
−HK$322/mo
Today · 4.125%
HK$12,486
baseline
▲ 0.50% · 4.625%
HK$13,144
+HK$658/mo
Deposit HK$1.00M · loan HK$2.33M · min. income ≈ HK$24,972/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$13,691
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,117
−HK$432/mo
Today · 4.125%
HK$14,549
baseline
▲ 0.50% · 4.625%
HK$15,435
+HK$886/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$29,098/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$15,231
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,639
−HK$415/mo
Today · 4.125%
HK$16,054
baseline
▲ 0.50% · 4.625%
HK$16,900
+HK$846/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$32,108/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).