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$7,609
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,845
−HK$241/mo
Today · 4.125%
HK$8,086
baseline
▲ 0.50% · 4.625%
HK$8,578
+HK$492/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,172/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$8,465
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,692
−HK$230/mo
Today · 4.125%
HK$8,922
baseline
▲ 0.50% · 4.625%
HK$9,392
+HK$470/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,844/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$9,131
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,415
−HK$288/mo
Today · 4.125%
HK$9,703
baseline
▲ 0.50% · 4.625%
HK$10,294
+HK$591/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,406/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$10,158
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,430
−HK$276/mo
Today · 4.125%
HK$10,706
baseline
▲ 0.50% · 4.625%
HK$11,271
+HK$565/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,412/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$10,652
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,984
−HK$336/mo
Today · 4.125%
HK$11,320
baseline
▲ 0.50% · 4.625%
HK$12,009
+HK$689/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,640/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$11,851
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,168
−HK$323/mo
Today · 4.125%
HK$12,491
baseline
▲ 0.50% · 4.625%
HK$13,149
+HK$658/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$24,982/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$13,696
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,122
−HK$433/mo
Today · 4.125%
HK$14,555
baseline
▲ 0.50% · 4.625%
HK$15,440
+HK$885/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$29,110/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$15,236
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,645
−HK$415/mo
Today · 4.125%
HK$16,060
baseline
▲ 0.50% · 4.625%
HK$16,906
+HK$846/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$32,120/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).