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$10,782
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,118
−HK$341/mo
Today · 4.125%
HK$11,459
baseline
▲ 0.50% · 4.625%
HK$12,156
+HK$697/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,918/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,995
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,317
−HK$326/mo
Today · 4.125%
HK$12,643
baseline
▲ 0.50% · 4.625%
HK$13,310
+HK$667/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,286/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,939
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,341
−HK$409/mo
Today · 4.125%
HK$13,750
baseline
▲ 0.50% · 4.625%
HK$14,587
+HK$837/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,500/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,395
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,781
−HK$391/mo
Today · 4.125%
HK$15,172
baseline
▲ 0.50% · 4.625%
HK$15,972
+HK$800/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,344/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,095
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,565
−HK$477/mo
Today · 4.125%
HK$16,042
baseline
▲ 0.50% · 4.625%
HK$17,018
+HK$976/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,084/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,794
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,244
−HK$457/mo
Today · 4.125%
HK$17,701
baseline
▲ 0.50% · 4.625%
HK$18,634
+HK$933/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,402/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,408
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,012
−HK$614/mo
Today · 4.125%
HK$20,626
baseline
▲ 0.50% · 4.625%
HK$21,881
+HK$1,255/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$41,252/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,592
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,171
−HK$587/mo
Today · 4.125%
HK$22,758
baseline
▲ 0.50% · 4.625%
HK$23,958
+HK$1,200/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$45,516/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,364 · 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).