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$7,638
−HK$479/mo
▼ 0.25% · 3.875%
HK$7,875
−HK$242/mo
Today · 4.125%
HK$8,117
baseline
▲ 0.50% · 4.625%
HK$8,611
+HK$494/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,234/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$8,497
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,725
−HK$231/mo
Today · 4.125%
HK$8,956
baseline
▲ 0.50% · 4.625%
HK$9,428
+HK$472/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,912/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$9,165
−HK$575/mo
▼ 0.25% · 3.875%
HK$9,451
−HK$289/mo
Today · 4.125%
HK$9,740
baseline
▲ 0.50% · 4.625%
HK$10,333
+HK$593/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,480/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$10,196
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,470
−HK$277/mo
Today · 4.125%
HK$10,747
baseline
▲ 0.50% · 4.625%
HK$11,314
+HK$567/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,494/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$10,693
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,026
−HK$338/mo
Today · 4.125%
HK$11,364
baseline
▲ 0.50% · 4.625%
HK$12,055
+HK$691/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,728/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$11,896
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,215
−HK$324/mo
Today · 4.125%
HK$12,539
baseline
▲ 0.50% · 4.625%
HK$13,199
+HK$660/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,078/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$13,748
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,176
−HK$434/mo
Today · 4.125%
HK$14,610
baseline
▲ 0.50% · 4.625%
HK$15,499
+HK$889/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$29,220/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$15,295
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,705
−HK$416/mo
Today · 4.125%
HK$16,121
baseline
▲ 0.50% · 4.625%
HK$16,971
+HK$850/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$32,242/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).