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$7,605
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,842
−HK$240/mo
Today · 4.125%
HK$8,082
baseline
▲ 0.50% · 4.625%
HK$8,574
+HK$492/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,164/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$8,461
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,688
−HK$230/mo
Today · 4.125%
HK$8,918
baseline
▲ 0.50% · 4.625%
HK$9,388
+HK$470/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,836/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$9,126
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,410
−HK$289/mo
Today · 4.125%
HK$9,699
baseline
▲ 0.50% · 4.625%
HK$10,289
+HK$590/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,398/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$10,153
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,425
−HK$277/mo
Today · 4.125%
HK$10,702
baseline
▲ 0.50% · 4.625%
HK$11,266
+HK$564/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,404/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$10,648
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,979
−HK$336/mo
Today · 4.125%
HK$11,315
baseline
▲ 0.50% · 4.625%
HK$12,004
+HK$689/mo
Deposit HK$1.00M · loan HK$2.33M · min. income ≈ HK$22,630/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$11,845
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,163
−HK$322/mo
Today · 4.125%
HK$12,485
baseline
▲ 0.50% · 4.625%
HK$13,143
+HK$658/mo
Deposit HK$1.00M · loan HK$2.33M · min. income ≈ HK$24,970/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$13,690
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,115
−HK$433/mo
Today · 4.125%
HK$14,548
baseline
▲ 0.50% · 4.625%
HK$15,433
+HK$885/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$29,096/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$15,230
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,638
−HK$414/mo
Today · 4.125%
HK$16,052
baseline
▲ 0.50% · 4.625%
HK$16,899
+HK$847/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$32,104/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).