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$7,614
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,851
−HK$240/mo
Today · 4.125%
HK$8,091
baseline
▲ 0.50% · 4.625%
HK$8,584
+HK$493/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,182/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$8,470
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,697
−HK$231/mo
Today · 4.125%
HK$8,928
baseline
▲ 0.50% · 4.625%
HK$9,399
+HK$471/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,856/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$9,137
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,421
−HK$289/mo
Today · 4.125%
HK$9,710
baseline
▲ 0.50% · 4.625%
HK$10,300
+HK$590/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$19,420/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$10,164
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,437
−HK$277/mo
Today · 4.125%
HK$10,714
baseline
▲ 0.50% · 4.625%
HK$11,278
+HK$564/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$21,428/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$10,659
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,991
−HK$337/mo
Today · 4.125%
HK$11,328
baseline
▲ 0.50% · 4.625%
HK$12,017
+HK$689/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,656/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$11,858
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,176
−HK$323/mo
Today · 4.125%
HK$12,499
baseline
▲ 0.50% · 4.625%
HK$13,158
+HK$659/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$24,998/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$13,705
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,131
−HK$433/mo
Today · 4.125%
HK$14,564
baseline
▲ 0.50% · 4.625%
HK$15,451
+HK$887/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$29,128/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$15,247
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,655
−HK$415/mo
Today · 4.125%
HK$16,070
baseline
▲ 0.50% · 4.625%
HK$16,917
+HK$847/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$32,140/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).