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$7,630
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,867
−HK$241/mo
Today · 4.125%
HK$8,108
baseline
▲ 0.50% · 4.625%
HK$8,602
+HK$494/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,216/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$8,488
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,716
−HK$231/mo
Today · 4.125%
HK$8,947
baseline
▲ 0.50% · 4.625%
HK$9,419
+HK$472/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,894/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$9,156
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,441
−HK$289/mo
Today · 4.125%
HK$9,730
baseline
▲ 0.50% · 4.625%
HK$10,322
+HK$592/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,460/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$10,186
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,459
−HK$277/mo
Today · 4.125%
HK$10,736
baseline
▲ 0.50% · 4.625%
HK$11,302
+HK$566/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,472/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$10,682
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,014
−HK$338/mo
Today · 4.125%
HK$11,352
baseline
▲ 0.50% · 4.625%
HK$12,043
+HK$691/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,704/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$11,884
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,202
−HK$324/mo
Today · 4.125%
HK$12,526
baseline
▲ 0.50% · 4.625%
HK$13,186
+HK$660/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,052/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$13,734
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,161
−HK$434/mo
Today · 4.125%
HK$14,595
baseline
▲ 0.50% · 4.625%
HK$15,483
+HK$888/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$29,190/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$15,279
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,689
−HK$415/mo
Today · 4.125%
HK$16,104
baseline
▲ 0.50% · 4.625%
HK$16,953
+HK$849/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$32,208/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).