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$7,614
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,851
−HK$241/mo
Today · 4.125%
HK$8,092
baseline
▲ 0.50% · 4.625%
HK$8,584
+HK$492/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$8,471
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,698
−HK$230/mo
Today · 4.125%
HK$8,928
baseline
▲ 0.50% · 4.625%
HK$9,399
+HK$471/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,856/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$9,137
−HK$573/mo
▼ 0.25% · 3.875%
HK$9,421
−HK$289/mo
Today · 4.125%
HK$9,710
baseline
▲ 0.50% · 4.625%
HK$10,301
+HK$591/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$19,420/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$10,165
−HK$549/mo
▼ 0.25% · 3.875%
HK$10,438
−HK$276/mo
Today · 4.125%
HK$10,714
baseline
▲ 0.50% · 4.625%
HK$11,279
+HK$565/mo
Deposit HK$1.34M · loan HK$2.00M · min. income ≈ HK$21,428/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$10,660
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,992
−HK$336/mo
Today · 4.125%
HK$11,328
baseline
▲ 0.50% · 4.625%
HK$12,018
+HK$690/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,656/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$11,859
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,177
−HK$323/mo
Today · 4.125%
HK$12,500
baseline
▲ 0.50% · 4.625%
HK$13,159
+HK$659/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,000/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$13,706
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,132
−HK$433/mo
Today · 4.125%
HK$14,565
baseline
▲ 0.50% · 4.625%
HK$15,451
+HK$886/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$29,130/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$15,247
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,656
−HK$415/mo
Today · 4.125%
HK$16,071
baseline
▲ 0.50% · 4.625%
HK$16,918
+HK$847/mo
Deposit HK$334K · loan HK$3.01M · min. income ≈ HK$32,142/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).