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$7,611
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,848
−HK$240/mo
Today · 4.125%
HK$8,088
baseline
▲ 0.50% · 4.625%
HK$8,580
+HK$492/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,176/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$8,467
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,694
−HK$231/mo
Today · 4.125%
HK$8,925
baseline
▲ 0.50% · 4.625%
HK$9,395
+HK$470/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,850/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$9,133
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,417
−HK$289/mo
Today · 4.125%
HK$9,706
baseline
▲ 0.50% · 4.625%
HK$10,297
+HK$591/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$19,412/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$10,161
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,433
−HK$277/mo
Today · 4.125%
HK$10,710
baseline
▲ 0.50% · 4.625%
HK$11,274
+HK$564/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$21,420/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$10,655
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,987
−HK$337/mo
Today · 4.125%
HK$11,324
baseline
▲ 0.50% · 4.625%
HK$12,013
+HK$689/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,648/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$11,854
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,172
−HK$323/mo
Today · 4.125%
HK$12,495
baseline
▲ 0.50% · 4.625%
HK$13,153
+HK$658/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$24,990/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$13,700
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,126
−HK$433/mo
Today · 4.125%
HK$14,559
baseline
▲ 0.50% · 4.625%
HK$15,445
+HK$886/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$29,118/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$15,241
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,650
−HK$414/mo
Today · 4.125%
HK$16,064
baseline
▲ 0.50% · 4.625%
HK$16,911
+HK$847/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$32,128/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).