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$7,629
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,866
−HK$241/mo
Today · 4.125%
HK$8,107
baseline
▲ 0.50% · 4.625%
HK$8,600
+HK$493/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,214/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$8,487
−HK$458/mo
▼ 0.25% · 3.875%
HK$8,714
−HK$231/mo
Today · 4.125%
HK$8,945
baseline
▲ 0.50% · 4.625%
HK$9,417
+HK$472/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,890/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$9,154
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,439
−HK$289/mo
Today · 4.125%
HK$9,728
baseline
▲ 0.50% · 4.625%
HK$10,320
+HK$592/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,456/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$10,184
−HK$550/mo
▼ 0.25% · 3.875%
HK$10,457
−HK$277/mo
Today · 4.125%
HK$10,734
baseline
▲ 0.50% · 4.625%
HK$11,300
+HK$566/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,468/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$10,680
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,012
−HK$338/mo
Today · 4.125%
HK$11,350
baseline
▲ 0.50% · 4.625%
HK$12,040
+HK$690/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,700/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$11,881
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,200
−HK$323/mo
Today · 4.125%
HK$12,523
baseline
▲ 0.50% · 4.625%
HK$13,183
+HK$660/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,046/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$13,731
−HK$861/mo
▼ 0.25% · 3.875%
HK$14,159
−HK$433/mo
Today · 4.125%
HK$14,592
baseline
▲ 0.50% · 4.625%
HK$15,480
+HK$888/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$29,184/mo (50% DSR)
Upfront cash ≈ HK$335K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,276
−HK$825/mo
▼ 0.25% · 3.875%
HK$15,686
−HK$415/mo
Today · 4.125%
HK$16,101
baseline
▲ 0.50% · 4.625%
HK$16,950
+HK$849/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$32,202/mo (50% DSR)
Upfront cash ≈ HK$335K (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).