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$7,633
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,871
−HK$241/mo
Today · 4.125%
HK$8,112
baseline
▲ 0.50% · 4.625%
HK$8,606
+HK$494/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,224/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$8,492
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,720
−HK$231/mo
Today · 4.125%
HK$8,951
baseline
▲ 0.50% · 4.625%
HK$9,423
+HK$472/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,902/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$9,160
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,445
−HK$290/mo
Today · 4.125%
HK$9,735
baseline
▲ 0.50% · 4.625%
HK$10,327
+HK$592/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,470/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$10,191
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,464
−HK$277/mo
Today · 4.125%
HK$10,741
baseline
▲ 0.50% · 4.625%
HK$11,307
+HK$566/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,482/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$10,687
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,019
−HK$338/mo
Today · 4.125%
HK$11,357
baseline
▲ 0.50% · 4.625%
HK$12,048
+HK$691/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,714/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$11,889
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,208
−HK$323/mo
Today · 4.125%
HK$12,531
baseline
▲ 0.50% · 4.625%
HK$13,192
+HK$661/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,062/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$13,740
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,168
−HK$434/mo
Today · 4.125%
HK$14,602
baseline
▲ 0.50% · 4.625%
HK$15,490
+HK$888/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$29,204/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$15,286
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,696
−HK$416/mo
Today · 4.125%
HK$16,112
baseline
▲ 0.50% · 4.625%
HK$16,961
+HK$849/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$32,224/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).