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$7,615
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,852
−HK$240/mo
Today · 4.125%
HK$8,092
baseline
▲ 0.50% · 4.625%
HK$8,585
+HK$493/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,184/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$8,472
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,699
−HK$230/mo
Today · 4.125%
HK$8,929
baseline
▲ 0.50% · 4.625%
HK$9,400
+HK$471/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,858/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$9,138
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,422
−HK$289/mo
Today · 4.125%
HK$9,711
baseline
▲ 0.50% · 4.625%
HK$10,302
+HK$591/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$19,422/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$10,166
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,439
−HK$276/mo
Today · 4.125%
HK$10,715
baseline
▲ 0.50% · 4.625%
HK$11,280
+HK$565/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$21,430/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$10,661
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,993
−HK$336/mo
Today · 4.125%
HK$11,329
baseline
▲ 0.50% · 4.625%
HK$12,019
+HK$690/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,658/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$11,860
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,178
−HK$323/mo
Today · 4.125%
HK$12,501
baseline
▲ 0.50% · 4.625%
HK$13,160
+HK$659/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,002/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$13,707
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,133
−HK$433/mo
Today · 4.125%
HK$14,566
baseline
▲ 0.50% · 4.625%
HK$15,453
+HK$887/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$29,132/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$15,249
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,658
−HK$415/mo
Today · 4.125%
HK$16,073
baseline
▲ 0.50% · 4.625%
HK$16,920
+HK$847/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$32,146/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).