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$7,636
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,874
−HK$241/mo
Today · 4.125%
HK$8,115
baseline
▲ 0.50% · 4.625%
HK$8,609
+HK$494/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,230/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$8,495
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,723
−HK$231/mo
Today · 4.125%
HK$8,954
baseline
▲ 0.50% · 4.625%
HK$9,426
+HK$472/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,908/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$9,163
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,448
−HK$290/mo
Today · 4.125%
HK$9,738
baseline
▲ 0.50% · 4.625%
HK$10,330
+HK$592/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,476/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$10,194
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,467
−HK$278/mo
Today · 4.125%
HK$10,745
baseline
▲ 0.50% · 4.625%
HK$11,311
+HK$566/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,490/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$10,690
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,023
−HK$338/mo
Today · 4.125%
HK$11,361
baseline
▲ 0.50% · 4.625%
HK$12,052
+HK$691/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,722/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$11,893
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,212
−HK$324/mo
Today · 4.125%
HK$12,536
baseline
▲ 0.50% · 4.625%
HK$13,196
+HK$660/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,072/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$13,745
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,172
−HK$435/mo
Today · 4.125%
HK$14,607
baseline
▲ 0.50% · 4.625%
HK$15,496
+HK$889/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$29,214/mo (50% DSR)
Upfront cash ≈ HK$335K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,291
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,701
−HK$416/mo
Today · 4.125%
HK$16,117
baseline
▲ 0.50% · 4.625%
HK$16,967
+HK$850/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$32,234/mo (50% DSR)
Upfront cash ≈ HK$335K (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).