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$10,778
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,113
−HK$341/mo
Today · 4.125%
HK$11,454
baseline
▲ 0.50% · 4.625%
HK$12,151
+HK$697/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,908/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,990
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,312
−HK$326/mo
Today · 4.125%
HK$12,638
baseline
▲ 0.50% · 4.625%
HK$13,304
+HK$666/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,276/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,933
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,336
−HK$408/mo
Today · 4.125%
HK$13,744
baseline
▲ 0.50% · 4.625%
HK$14,581
+HK$837/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,488/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,388
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,774
−HK$391/mo
Today · 4.125%
HK$15,165
baseline
▲ 0.50% · 4.625%
HK$15,965
+HK$800/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,330/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,089
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,558
−HK$477/mo
Today · 4.125%
HK$16,035
baseline
▲ 0.50% · 4.625%
HK$17,011
+HK$976/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,070/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,786
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,236
−HK$457/mo
Today · 4.125%
HK$17,693
baseline
▲ 0.50% · 4.625%
HK$18,626
+HK$933/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,386/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,400
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$20,003
−HK$613/mo
Today · 4.125%
HK$20,616
baseline
▲ 0.50% · 4.625%
HK$21,871
+HK$1,255/mo
Deposit HK$473K · loan HK$4.25M · min. income ≈ HK$41,232/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,582
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,161
−HK$587/mo
Today · 4.125%
HK$22,748
baseline
▲ 0.50% · 4.625%
HK$23,947
+HK$1,199/mo
Deposit HK$473K · loan HK$4.25M · min. income ≈ HK$45,496/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,155 · 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).