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$7,617
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,854
−HK$241/mo
Today · 4.125%
HK$8,095
baseline
▲ 0.50% · 4.625%
HK$8,587
+HK$492/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,190/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$8,474
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,701
−HK$231/mo
Today · 4.125%
HK$8,932
baseline
▲ 0.50% · 4.625%
HK$9,402
+HK$470/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,864/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$9,140
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,425
−HK$288/mo
Today · 4.125%
HK$9,713
baseline
▲ 0.50% · 4.625%
HK$10,304
+HK$591/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$19,426/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$10,168
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,441
−HK$277/mo
Today · 4.125%
HK$10,718
baseline
▲ 0.50% · 4.625%
HK$11,283
+HK$565/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$21,436/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$10,664
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,995
−HK$337/mo
Today · 4.125%
HK$11,332
baseline
▲ 0.50% · 4.625%
HK$12,022
+HK$690/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,664/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$11,863
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,181
−HK$323/mo
Today · 4.125%
HK$12,504
baseline
▲ 0.50% · 4.625%
HK$13,163
+HK$659/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,008/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$13,710
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,137
−HK$433/mo
Today · 4.125%
HK$14,570
baseline
▲ 0.50% · 4.625%
HK$15,457
+HK$887/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$29,140/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$15,253
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,662
−HK$415/mo
Today · 4.125%
HK$16,077
baseline
▲ 0.50% · 4.625%
HK$16,924
+HK$847/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$32,154/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).