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$7,629
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,866
−HK$242/mo
Today · 4.125%
HK$8,108
baseline
▲ 0.50% · 4.625%
HK$8,601
+HK$493/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,216/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$8,487
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,715
−HK$231/mo
Today · 4.125%
HK$8,946
baseline
▲ 0.50% · 4.625%
HK$9,417
+HK$471/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,892/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$9,155
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,440
−HK$289/mo
Today · 4.125%
HK$9,729
baseline
▲ 0.50% · 4.625%
HK$10,321
+HK$592/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,458/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$10,185
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,458
−HK$277/mo
Today · 4.125%
HK$10,735
baseline
▲ 0.50% · 4.625%
HK$11,301
+HK$566/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,470/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$10,681
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,013
−HK$338/mo
Today · 4.125%
HK$11,351
baseline
▲ 0.50% · 4.625%
HK$12,041
+HK$690/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,702/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$11,882
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,201
−HK$323/mo
Today · 4.125%
HK$12,524
baseline
▲ 0.50% · 4.625%
HK$13,184
+HK$660/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,048/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$13,733
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,160
−HK$434/mo
Today · 4.125%
HK$14,594
baseline
▲ 0.50% · 4.625%
HK$15,482
+HK$888/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$29,188/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$15,277
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,687
−HK$416/mo
Today · 4.125%
HK$16,103
baseline
▲ 0.50% · 4.625%
HK$16,951
+HK$848/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$32,206/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).