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$7,624
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,861
−HK$241/mo
Today · 4.125%
HK$8,102
baseline
▲ 0.50% · 4.625%
HK$8,595
+HK$493/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,204/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$8,481
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,709
−HK$231/mo
Today · 4.125%
HK$8,940
baseline
▲ 0.50% · 4.625%
HK$9,411
+HK$471/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,880/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$9,149
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,433
−HK$289/mo
Today · 4.125%
HK$9,722
baseline
▲ 0.50% · 4.625%
HK$10,314
+HK$592/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,444/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$10,178
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,451
−HK$277/mo
Today · 4.125%
HK$10,728
baseline
▲ 0.50% · 4.625%
HK$11,293
+HK$565/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,456/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$10,673
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,005
−HK$338/mo
Today · 4.125%
HK$11,343
baseline
▲ 0.50% · 4.625%
HK$12,033
+HK$690/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,686/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$11,874
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,193
−HK$323/mo
Today · 4.125%
HK$12,516
baseline
▲ 0.50% · 4.625%
HK$13,175
+HK$659/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,032/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$13,723
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,150
−HK$434/mo
Today · 4.125%
HK$14,584
baseline
▲ 0.50% · 4.625%
HK$15,471
+HK$887/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$29,168/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$15,267
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,676
−HK$416/mo
Today · 4.125%
HK$16,092
baseline
▲ 0.50% · 4.625%
HK$16,940
+HK$848/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$32,184/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).