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$10,748
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,082
−HK$340/mo
Today · 4.125%
HK$11,422
baseline
▲ 0.50% · 4.625%
HK$12,117
+HK$695/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,844/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$88,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,957
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,278
−HK$325/mo
Today · 4.125%
HK$12,603
baseline
▲ 0.50% · 4.625%
HK$13,267
+HK$664/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,206/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$88,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,898
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,299
−HK$408/mo
Today · 4.125%
HK$13,707
baseline
▲ 0.50% · 4.625%
HK$14,541
+HK$834/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,414/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,349
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,733
−HK$391/mo
Today · 4.125%
HK$15,124
baseline
▲ 0.50% · 4.625%
HK$15,921
+HK$797/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,248/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,047
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,515
−HK$476/mo
Today · 4.125%
HK$15,991
baseline
▲ 0.50% · 4.625%
HK$16,964
+HK$973/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,982/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,740
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,189
−HK$455/mo
Today · 4.125%
HK$17,644
baseline
▲ 0.50% · 4.625%
HK$18,574
+HK$930/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,288/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,347
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,948
−HK$612/mo
Today · 4.125%
HK$20,560
baseline
▲ 0.50% · 4.625%
HK$21,811
+HK$1,251/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,120/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,523
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,100
−HK$586/mo
Today · 4.125%
HK$22,686
baseline
▲ 0.50% · 4.625%
HK$23,881
+HK$1,195/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,372/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,855 · 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).