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$7,607
−HK$477/mo
▼ 0.25% · 3.875%
HK$7,844
−HK$240/mo
Today · 4.125%
HK$8,084
baseline
▲ 0.50% · 4.625%
HK$8,576
+HK$492/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,168/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$8,463
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,690
−HK$230/mo
Today · 4.125%
HK$8,920
baseline
▲ 0.50% · 4.625%
HK$9,390
+HK$470/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,840/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$9,129
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,413
−HK$288/mo
Today · 4.125%
HK$9,701
baseline
▲ 0.50% · 4.625%
HK$10,291
+HK$590/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,402/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$10,156
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,428
−HK$276/mo
Today · 4.125%
HK$10,704
baseline
▲ 0.50% · 4.625%
HK$11,269
+HK$565/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,408/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$10,650
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,981
−HK$337/mo
Today · 4.125%
HK$11,318
baseline
▲ 0.50% · 4.625%
HK$12,007
+HK$689/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,636/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$11,848
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,166
−HK$322/mo
Today · 4.125%
HK$12,488
baseline
▲ 0.50% · 4.625%
HK$13,147
+HK$659/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$24,976/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$13,693
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,119
−HK$433/mo
Today · 4.125%
HK$14,552
baseline
▲ 0.50% · 4.625%
HK$15,437
+HK$885/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$29,104/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$15,233
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,642
−HK$414/mo
Today · 4.125%
HK$16,056
baseline
▲ 0.50% · 4.625%
HK$16,903
+HK$847/mo
Deposit HK$334K · loan HK$3.00M · min. income ≈ HK$32,112/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).