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$7,594
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,830
−HK$240/mo
Today · 4.125%
HK$8,070
baseline
▲ 0.50% · 4.625%
HK$8,561
+HK$491/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,140/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$8,448
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,675
−HK$230/mo
Today · 4.125%
HK$8,905
baseline
▲ 0.50% · 4.625%
HK$9,374
+HK$469/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,810/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$9,113
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,397
−HK$288/mo
Today · 4.125%
HK$9,685
baseline
▲ 0.50% · 4.625%
HK$10,274
+HK$589/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,370/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$10,138
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,410
−HK$276/mo
Today · 4.125%
HK$10,686
baseline
▲ 0.50% · 4.625%
HK$11,249
+HK$563/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,372/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$10,632
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,963
−HK$336/mo
Today · 4.125%
HK$11,299
baseline
▲ 0.50% · 4.625%
HK$11,986
+HK$687/mo
Deposit HK$999K · loan HK$2.33M · min. income ≈ HK$22,598/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,828
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,145
−HK$322/mo
Today · 4.125%
HK$12,467
baseline
▲ 0.50% · 4.625%
HK$13,124
+HK$657/mo
Deposit HK$999K · loan HK$2.33M · min. income ≈ HK$24,934/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,670
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,095
−HK$432/mo
Today · 4.125%
HK$14,527
baseline
▲ 0.50% · 4.625%
HK$15,411
+HK$884/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$29,054/mo (50% DSR)
Upfront cash ≈ HK$333K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,207
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,615
−HK$414/mo
Today · 4.125%
HK$16,029
baseline
▲ 0.50% · 4.625%
HK$16,874
+HK$845/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$32,058/mo (50% DSR)
Upfront cash ≈ HK$333K (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).