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$10,773
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,108
−HK$341/mo
Today · 4.125%
HK$11,449
baseline
▲ 0.50% · 4.625%
HK$12,145
+HK$696/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,898/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,985
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,306
−HK$326/mo
Today · 4.125%
HK$12,632
baseline
▲ 0.50% · 4.625%
HK$13,298
+HK$666/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,264/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,928
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,330
−HK$408/mo
Today · 4.125%
HK$13,738
baseline
▲ 0.50% · 4.625%
HK$14,574
+HK$836/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,476/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,382
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,768
−HK$391/mo
Today · 4.125%
HK$15,159
baseline
▲ 0.50% · 4.625%
HK$15,958
+HK$799/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,318/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,082
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,551
−HK$477/mo
Today · 4.125%
HK$16,028
baseline
▲ 0.50% · 4.625%
HK$17,003
+HK$975/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,056/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,779
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,229
−HK$456/mo
Today · 4.125%
HK$17,685
baseline
▲ 0.50% · 4.625%
HK$18,618
+HK$933/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,370/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,391
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,995
−HK$612/mo
Today · 4.125%
HK$20,607
baseline
▲ 0.50% · 4.625%
HK$21,861
+HK$1,254/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$41,214/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,573
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,151
−HK$587/mo
Today · 4.125%
HK$22,738
baseline
▲ 0.50% · 4.625%
HK$23,937
+HK$1,199/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$45,476/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,949 · 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).