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$7,612
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,849
−HK$240/mo
Today · 4.125%
HK$8,089
baseline
▲ 0.50% · 4.625%
HK$8,581
+HK$492/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,178/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$8,468
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,695
−HK$231/mo
Today · 4.125%
HK$8,926
baseline
▲ 0.50% · 4.625%
HK$9,396
+HK$470/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,852/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$9,134
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,418
−HK$289/mo
Today · 4.125%
HK$9,707
baseline
▲ 0.50% · 4.625%
HK$10,298
+HK$591/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$19,414/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$10,162
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,434
−HK$277/mo
Today · 4.125%
HK$10,711
baseline
▲ 0.50% · 4.625%
HK$11,275
+HK$564/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$21,422/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$10,656
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,988
−HK$337/mo
Today · 4.125%
HK$11,325
baseline
▲ 0.50% · 4.625%
HK$12,014
+HK$689/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,650/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$11,855
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,173
−HK$323/mo
Today · 4.125%
HK$12,496
baseline
▲ 0.50% · 4.625%
HK$13,154
+HK$658/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$24,992/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$13,701
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,127
−HK$433/mo
Today · 4.125%
HK$14,560
baseline
▲ 0.50% · 4.625%
HK$15,446
+HK$886/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$29,120/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$15,242
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,651
−HK$415/mo
Today · 4.125%
HK$16,066
baseline
▲ 0.50% · 4.625%
HK$16,913
+HK$847/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$32,132/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).