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$7,621
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,858
−HK$241/mo
Today · 4.125%
HK$8,099
baseline
▲ 0.50% · 4.625%
HK$8,592
+HK$493/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,198/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$8,478
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,706
−HK$230/mo
Today · 4.125%
HK$8,936
baseline
▲ 0.50% · 4.625%
HK$9,408
+HK$472/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,872/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$9,145
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,430
−HK$289/mo
Today · 4.125%
HK$9,719
baseline
▲ 0.50% · 4.625%
HK$10,310
+HK$591/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,438/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$10,174
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,447
−HK$277/mo
Today · 4.125%
HK$10,724
baseline
▲ 0.50% · 4.625%
HK$11,289
+HK$565/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,448/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$10,670
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,001
−HK$338/mo
Today · 4.125%
HK$11,339
baseline
▲ 0.50% · 4.625%
HK$12,029
+HK$690/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,678/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$11,870
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,188
−HK$323/mo
Today · 4.125%
HK$12,511
baseline
▲ 0.50% · 4.625%
HK$13,171
+HK$660/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,022/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$13,718
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,145
−HK$433/mo
Today · 4.125%
HK$14,578
baseline
▲ 0.50% · 4.625%
HK$15,465
+HK$887/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$29,156/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$15,261
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,670
−HK$416/mo
Today · 4.125%
HK$16,086
baseline
▲ 0.50% · 4.625%
HK$16,934
+HK$848/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$32,172/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).