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$7,631
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,868
−HK$241/mo
Today · 4.125%
HK$8,109
baseline
▲ 0.50% · 4.625%
HK$8,603
+HK$494/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,218/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$8,489
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,717
−HK$231/mo
Today · 4.125%
HK$8,948
baseline
▲ 0.50% · 4.625%
HK$9,420
+HK$472/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,896/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$9,157
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,442
−HK$289/mo
Today · 4.125%
HK$9,731
baseline
▲ 0.50% · 4.625%
HK$10,324
+HK$593/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,462/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$10,187
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,460
−HK$278/mo
Today · 4.125%
HK$10,738
baseline
▲ 0.50% · 4.625%
HK$11,304
+HK$566/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,476/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$10,683
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,016
−HK$337/mo
Today · 4.125%
HK$11,353
baseline
▲ 0.50% · 4.625%
HK$12,044
+HK$691/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,706/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$11,885
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,204
−HK$323/mo
Today · 4.125%
HK$12,527
baseline
▲ 0.50% · 4.625%
HK$13,188
+HK$661/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,054/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$13,736
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,163
−HK$434/mo
Today · 4.125%
HK$14,597
baseline
▲ 0.50% · 4.625%
HK$15,485
+HK$888/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$29,194/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$15,281
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,691
−HK$415/mo
Today · 4.125%
HK$16,106
baseline
▲ 0.50% · 4.625%
HK$16,955
+HK$849/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$32,212/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).