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$9,052
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,334
−HK$286/mo
Today · 4.125%
HK$9,620
baseline
▲ 0.50% · 4.625%
HK$10,205
+HK$585/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$19,240/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,070
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,341
−HK$274/mo
Today · 4.125%
HK$10,615
baseline
▲ 0.50% · 4.625%
HK$11,174
+HK$559/mo
Deposit HK$1.98M · loan HK$1.98M · min. income ≈ HK$21,230/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,863
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,201
−HK$343/mo
Today · 4.125%
HK$11,544
baseline
▲ 0.50% · 4.625%
HK$12,246
+HK$702/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$23,088/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,085
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,409
−HK$328/mo
Today · 4.125%
HK$12,737
baseline
▲ 0.50% · 4.625%
HK$13,409
+HK$672/mo
Deposit HK$1.59M · loan HK$2.38M · min. income ≈ HK$25,474/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,673
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,067
−HK$401/mo
Today · 4.125%
HK$13,468
baseline
▲ 0.50% · 4.625%
HK$14,287
+HK$819/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$26,936/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,099
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,477
−HK$383/mo
Today · 4.125%
HK$14,860
baseline
▲ 0.50% · 4.625%
HK$15,644
+HK$784/mo
Deposit HK$1.19M · loan HK$2.78M · min. income ≈ HK$29,720/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,294
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,801
−HK$515/mo
Today · 4.125%
HK$17,316
baseline
▲ 0.50% · 4.625%
HK$18,369
+HK$1,053/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$34,632/mo (50% DSR)
Upfront cash ≈ HK$397K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,127
−HK$979/mo
▼ 0.25% · 3.875%
HK$18,613
−HK$493/mo
Today · 4.125%
HK$19,106
baseline
▲ 0.50% · 4.625%
HK$20,113
+HK$1,007/mo
Deposit HK$397K · loan HK$3.57M · min. income ≈ HK$38,212/mo (50% DSR)
Upfront cash ≈ HK$397K (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).