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$7,639
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,876
−HK$242/mo
Today · 4.125%
HK$8,118
baseline
▲ 0.50% · 4.625%
HK$8,612
+HK$494/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,236/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,498
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,726
−HK$231/mo
Today · 4.125%
HK$8,957
baseline
▲ 0.50% · 4.625%
HK$9,429
+HK$472/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,914/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,166
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,452
−HK$289/mo
Today · 4.125%
HK$9,741
baseline
▲ 0.50% · 4.625%
HK$10,334
+HK$593/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,482/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$10,198
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,471
−HK$278/mo
Today · 4.125%
HK$10,749
baseline
▲ 0.50% · 4.625%
HK$11,315
+HK$566/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,498/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$10,694
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,027
−HK$338/mo
Today · 4.125%
HK$11,365
baseline
▲ 0.50% · 4.625%
HK$12,056
+HK$691/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,730/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,897
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,216
−HK$324/mo
Today · 4.125%
HK$12,540
baseline
▲ 0.50% · 4.625%
HK$13,201
+HK$661/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,080/mo (50% DSR)
Upfront cash ≈ HK$1.01M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,750
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,177
−HK$435/mo
Today · 4.125%
HK$14,612
baseline
▲ 0.50% · 4.625%
HK$15,501
+HK$889/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$29,224/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$15,296
−HK$827/mo
▼ 0.25% · 3.875%
HK$15,707
−HK$416/mo
Today · 4.125%
HK$16,123
baseline
▲ 0.50% · 4.625%
HK$16,973
+HK$850/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$32,246/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).