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$7,609
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,846
−HK$240/mo
Today · 4.125%
HK$8,086
baseline
▲ 0.50% · 4.625%
HK$8,578
+HK$492/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,172/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$8,465
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,692
−HK$231/mo
Today · 4.125%
HK$8,923
baseline
▲ 0.50% · 4.625%
HK$9,393
+HK$470/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,846/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$9,131
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,415
−HK$289/mo
Today · 4.125%
HK$9,704
baseline
▲ 0.50% · 4.625%
HK$10,294
+HK$590/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,408/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$10,158
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,431
−HK$276/mo
Today · 4.125%
HK$10,707
baseline
▲ 0.50% · 4.625%
HK$11,271
+HK$564/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,414/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$10,653
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,984
−HK$337/mo
Today · 4.125%
HK$11,321
baseline
▲ 0.50% · 4.625%
HK$12,010
+HK$689/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,642/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$11,851
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,169
−HK$323/mo
Today · 4.125%
HK$12,492
baseline
▲ 0.50% · 4.625%
HK$13,150
+HK$658/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$24,984/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$13,697
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,123
−HK$432/mo
Today · 4.125%
HK$14,555
baseline
▲ 0.50% · 4.625%
HK$15,441
+HK$886/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$29,110/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$15,237
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,646
−HK$415/mo
Today · 4.125%
HK$16,061
baseline
▲ 0.50% · 4.625%
HK$16,907
+HK$846/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$32,122/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).