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$7,599
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,836
−HK$240/mo
Today · 4.125%
HK$8,076
baseline
▲ 0.50% · 4.625%
HK$8,567
+HK$491/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,152/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$8,454
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,681
−HK$230/mo
Today · 4.125%
HK$8,911
baseline
▲ 0.50% · 4.625%
HK$9,381
+HK$470/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,822/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$9,119
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,403
−HK$288/mo
Today · 4.125%
HK$9,691
baseline
▲ 0.50% · 4.625%
HK$10,281
+HK$590/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,382/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$10,145
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,417
−HK$276/mo
Today · 4.125%
HK$10,693
baseline
▲ 0.50% · 4.625%
HK$11,257
+HK$564/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,386/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$10,639
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,970
−HK$336/mo
Today · 4.125%
HK$11,306
baseline
▲ 0.50% · 4.625%
HK$11,994
+HK$688/mo
Deposit HK$1000K · loan HK$2.33M · min. income ≈ HK$22,612/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$11,836
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,153
−HK$322/mo
Today · 4.125%
HK$12,475
baseline
▲ 0.50% · 4.625%
HK$13,133
+HK$658/mo
Deposit HK$1000K · loan HK$2.33M · min. income ≈ HK$24,950/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$13,679
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,104
−HK$432/mo
Today · 4.125%
HK$14,536
baseline
▲ 0.50% · 4.625%
HK$15,421
+HK$885/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$29,072/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$15,217
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,626
−HK$414/mo
Today · 4.125%
HK$16,040
baseline
▲ 0.50% · 4.625%
HK$16,885
+HK$845/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$32,080/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).