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$7,634
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,872
−HK$241/mo
Today · 4.125%
HK$8,113
baseline
▲ 0.50% · 4.625%
HK$8,607
+HK$494/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,226/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$8,493
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,721
−HK$231/mo
Today · 4.125%
HK$8,952
baseline
▲ 0.50% · 4.625%
HK$9,424
+HK$472/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,904/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$9,161
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,446
−HK$290/mo
Today · 4.125%
HK$9,736
baseline
▲ 0.50% · 4.625%
HK$10,328
+HK$592/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,472/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$10,192
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,465
−HK$277/mo
Today · 4.125%
HK$10,742
baseline
▲ 0.50% · 4.625%
HK$11,309
+HK$567/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,484/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$10,688
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,020
−HK$338/mo
Today · 4.125%
HK$11,358
baseline
▲ 0.50% · 4.625%
HK$12,049
+HK$691/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,716/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$11,890
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,209
−HK$324/mo
Today · 4.125%
HK$12,533
baseline
▲ 0.50% · 4.625%
HK$13,193
+HK$660/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,066/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$13,742
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,169
−HK$434/mo
Today · 4.125%
HK$14,603
baseline
▲ 0.50% · 4.625%
HK$15,492
+HK$889/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$29,206/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$15,288
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,698
−HK$416/mo
Today · 4.125%
HK$16,114
baseline
▲ 0.50% · 4.625%
HK$16,963
+HK$849/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$32,228/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).