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$7,625
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,863
−HK$241/mo
Today · 4.125%
HK$8,104
baseline
▲ 0.50% · 4.625%
HK$8,597
+HK$493/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,208/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$8,483
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,711
−HK$230/mo
Today · 4.125%
HK$8,941
baseline
▲ 0.50% · 4.625%
HK$9,413
+HK$472/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,882/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$9,150
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,435
−HK$289/mo
Today · 4.125%
HK$9,724
baseline
▲ 0.50% · 4.625%
HK$10,316
+HK$592/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,448/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$10,180
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,453
−HK$277/mo
Today · 4.125%
HK$10,730
baseline
▲ 0.50% · 4.625%
HK$11,295
+HK$565/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,460/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$10,675
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,008
−HK$337/mo
Today · 4.125%
HK$11,345
baseline
▲ 0.50% · 4.625%
HK$12,035
+HK$690/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,690/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$11,876
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,195
−HK$323/mo
Today · 4.125%
HK$12,518
baseline
▲ 0.50% · 4.625%
HK$13,178
+HK$660/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,036/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$13,726
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,153
−HK$433/mo
Today · 4.125%
HK$14,586
baseline
▲ 0.50% · 4.625%
HK$15,474
+HK$888/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$29,172/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$15,270
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,679
−HK$416/mo
Today · 4.125%
HK$16,095
baseline
▲ 0.50% · 4.625%
HK$16,943
+HK$848/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$32,190/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).