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$7,599
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,835
−HK$240/mo
Today · 4.125%
HK$8,075
baseline
▲ 0.50% · 4.625%
HK$8,567
+HK$492/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,150/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$8,454
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,680
−HK$230/mo
Today · 4.125%
HK$8,910
baseline
▲ 0.50% · 4.625%
HK$9,380
+HK$470/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,820/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$9,119
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,402
−HK$288/mo
Today · 4.125%
HK$9,690
baseline
▲ 0.50% · 4.625%
HK$10,280
+HK$590/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,380/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$10,144
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,416
−HK$276/mo
Today · 4.125%
HK$10,692
baseline
▲ 0.50% · 4.625%
HK$11,256
+HK$564/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,384/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$10,638
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,969
−HK$336/mo
Today · 4.125%
HK$11,305
baseline
▲ 0.50% · 4.625%
HK$11,993
+HK$688/mo
Deposit HK$1000K · loan HK$2.33M · min. income ≈ HK$22,610/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,835
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,152
−HK$322/mo
Today · 4.125%
HK$12,474
baseline
▲ 0.50% · 4.625%
HK$13,132
+HK$658/mo
Deposit HK$1000K · loan HK$2.33M · min. income ≈ HK$24,948/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,678
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,103
−HK$433/mo
Today · 4.125%
HK$14,536
baseline
▲ 0.50% · 4.625%
HK$15,420
+HK$884/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$29,072/mo (50% DSR)
Upfront cash ≈ HK$333K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,216
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,625
−HK$414/mo
Today · 4.125%
HK$16,039
baseline
▲ 0.50% · 4.625%
HK$16,884
+HK$845/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$32,078/mo (50% DSR)
Upfront cash ≈ HK$333K (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).