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$7,608
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,845
−HK$240/mo
Today · 4.125%
HK$8,085
baseline
▲ 0.50% · 4.625%
HK$8,577
+HK$492/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,170/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$8,464
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,691
−HK$230/mo
Today · 4.125%
HK$8,921
baseline
▲ 0.50% · 4.625%
HK$9,392
+HK$471/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,842/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$9,130
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,414
−HK$288/mo
Today · 4.125%
HK$9,702
baseline
▲ 0.50% · 4.625%
HK$10,293
+HK$591/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,404/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$10,157
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,429
−HK$277/mo
Today · 4.125%
HK$10,706
baseline
▲ 0.50% · 4.625%
HK$11,270
+HK$564/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,412/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$10,652
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,983
−HK$337/mo
Today · 4.125%
HK$11,320
baseline
▲ 0.50% · 4.625%
HK$12,008
+HK$688/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,640/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$11,850
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,168
−HK$322/mo
Today · 4.125%
HK$12,490
baseline
▲ 0.50% · 4.625%
HK$13,148
+HK$658/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$24,980/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$13,695
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,121
−HK$433/mo
Today · 4.125%
HK$14,554
baseline
▲ 0.50% · 4.625%
HK$15,439
+HK$885/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$29,108/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$15,235
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,644
−HK$415/mo
Today · 4.125%
HK$16,059
baseline
▲ 0.50% · 4.625%
HK$16,905
+HK$846/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$32,118/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).