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$7,604
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,841
−HK$240/mo
Today · 4.125%
HK$8,081
baseline
▲ 0.50% · 4.625%
HK$8,573
+HK$492/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,162/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$8,459
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,686
−HK$230/mo
Today · 4.125%
HK$8,916
baseline
▲ 0.50% · 4.625%
HK$9,386
+HK$470/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,832/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$9,125
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,409
−HK$288/mo
Today · 4.125%
HK$9,697
baseline
▲ 0.50% · 4.625%
HK$10,287
+HK$590/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,394/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$10,151
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,424
−HK$276/mo
Today · 4.125%
HK$10,700
baseline
▲ 0.50% · 4.625%
HK$11,264
+HK$564/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,400/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$10,646
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,977
−HK$336/mo
Today · 4.125%
HK$11,313
baseline
▲ 0.50% · 4.625%
HK$12,002
+HK$689/mo
Deposit HK$1.00M · loan HK$2.33M · min. income ≈ HK$22,626/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$11,843
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,161
−HK$322/mo
Today · 4.125%
HK$12,483
baseline
▲ 0.50% · 4.625%
HK$13,141
+HK$658/mo
Deposit HK$1.00M · loan HK$2.33M · min. income ≈ HK$24,966/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$13,687
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,113
−HK$433/mo
Today · 4.125%
HK$14,546
baseline
▲ 0.50% · 4.625%
HK$15,431
+HK$885/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$29,092/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$15,227
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,635
−HK$415/mo
Today · 4.125%
HK$16,050
baseline
▲ 0.50% · 4.625%
HK$16,896
+HK$846/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$32,100/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).