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$7,596
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,833
−HK$240/mo
Today · 4.125%
HK$8,073
baseline
▲ 0.50% · 4.625%
HK$8,564
+HK$491/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,146/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$8,451
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,678
−HK$229/mo
Today · 4.125%
HK$8,907
baseline
▲ 0.50% · 4.625%
HK$9,377
+HK$470/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,814/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$9,116
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,399
−HK$288/mo
Today · 4.125%
HK$9,687
baseline
▲ 0.50% · 4.625%
HK$10,277
+HK$590/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,374/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$10,141
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,413
−HK$276/mo
Today · 4.125%
HK$10,689
baseline
▲ 0.50% · 4.625%
HK$11,252
+HK$563/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,378/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$10,635
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,966
−HK$336/mo
Today · 4.125%
HK$11,302
baseline
▲ 0.50% · 4.625%
HK$11,989
+HK$687/mo
Deposit HK$999K · loan HK$2.33M · min. income ≈ HK$22,604/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,831
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,149
−HK$321/mo
Today · 4.125%
HK$12,470
baseline
▲ 0.50% · 4.625%
HK$13,128
+HK$658/mo
Deposit HK$999K · loan HK$2.33M · min. income ≈ HK$24,940/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,673
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,099
−HK$432/mo
Today · 4.125%
HK$14,531
baseline
▲ 0.50% · 4.625%
HK$15,415
+HK$884/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$29,062/mo (50% DSR)
Upfront cash ≈ HK$333K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,212
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,620
−HK$413/mo
Today · 4.125%
HK$16,033
baseline
▲ 0.50% · 4.625%
HK$16,879
+HK$846/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$32,066/mo (50% DSR)
Upfront cash ≈ HK$333K (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).