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$7,635
−HK$478/mo
▼ 0.25% · 3.875%
HK$7,872
−HK$241/mo
Today · 4.125%
HK$8,113
baseline
▲ 0.50% · 4.625%
HK$8,607
+HK$494/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$16,226/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$8,493
−HK$459/mo
▼ 0.25% · 3.875%
HK$8,721
−HK$231/mo
Today · 4.125%
HK$8,952
baseline
▲ 0.50% · 4.625%
HK$9,424
+HK$472/mo
Deposit HK$1.67M · loan HK$1.67M · min. income ≈ HK$17,904/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$9,162
−HK$574/mo
▼ 0.25% · 3.875%
HK$9,447
−HK$289/mo
Today · 4.125%
HK$9,736
baseline
▲ 0.50% · 4.625%
HK$10,328
+HK$592/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$19,472/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$10,192
−HK$551/mo
▼ 0.25% · 3.875%
HK$10,465
−HK$278/mo
Today · 4.125%
HK$10,743
baseline
▲ 0.50% · 4.625%
HK$11,309
+HK$566/mo
Deposit HK$1.34M · loan HK$2.01M · min. income ≈ HK$21,486/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$10,688
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,021
−HK$338/mo
Today · 4.125%
HK$11,359
baseline
▲ 0.50% · 4.625%
HK$12,050
+HK$691/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$22,718/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$11,891
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,210
−HK$323/mo
Today · 4.125%
HK$12,533
baseline
▲ 0.50% · 4.625%
HK$13,194
+HK$661/mo
Deposit HK$1.00M · loan HK$2.34M · min. income ≈ HK$25,066/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$13,742
−HK$862/mo
▼ 0.25% · 3.875%
HK$14,170
−HK$434/mo
Today · 4.125%
HK$14,604
baseline
▲ 0.50% · 4.625%
HK$15,493
+HK$889/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$29,208/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$15,288
−HK$826/mo
▼ 0.25% · 3.875%
HK$15,698
−HK$416/mo
Today · 4.125%
HK$16,114
baseline
▲ 0.50% · 4.625%
HK$16,964
+HK$850/mo
Deposit HK$335K · loan HK$3.01M · min. income ≈ HK$32,228/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).