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$10,746
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,081
−HK$339/mo
Today · 4.125%
HK$11,420
baseline
▲ 0.50% · 4.625%
HK$12,115
+HK$695/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,840/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$88,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,955
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,276
−HK$325/mo
Today · 4.125%
HK$12,601
baseline
▲ 0.50% · 4.625%
HK$13,265
+HK$664/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,202/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$88,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,896
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,297
−HK$407/mo
Today · 4.125%
HK$13,704
baseline
▲ 0.50% · 4.625%
HK$14,538
+HK$834/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,408/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,346
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,731
−HK$390/mo
Today · 4.125%
HK$15,121
baseline
▲ 0.50% · 4.625%
HK$15,918
+HK$797/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,242/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,045
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,513
−HK$475/mo
Today · 4.125%
HK$15,988
baseline
▲ 0.50% · 4.625%
HK$16,961
+HK$973/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,976/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,737
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,186
−HK$455/mo
Today · 4.125%
HK$17,641
baseline
▲ 0.50% · 4.625%
HK$18,571
+HK$930/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,282/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,343
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,945
−HK$611/mo
Today · 4.125%
HK$20,556
baseline
▲ 0.50% · 4.625%
HK$21,807
+HK$1,251/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,112/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,519
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,096
−HK$586/mo
Today · 4.125%
HK$22,682
baseline
▲ 0.50% · 4.625%
HK$23,877
+HK$1,195/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,364/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,776 · 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).