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$10,758
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,092
−HK$340/mo
Today · 4.125%
HK$11,432
baseline
▲ 0.50% · 4.625%
HK$12,128
+HK$696/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,864/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,968
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,289
−HK$325/mo
Today · 4.125%
HK$12,614
baseline
▲ 0.50% · 4.625%
HK$13,279
+HK$665/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,228/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,909
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,311
−HK$408/mo
Today · 4.125%
HK$13,719
baseline
▲ 0.50% · 4.625%
HK$14,554
+HK$835/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,438/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,361
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,747
−HK$390/mo
Today · 4.125%
HK$15,137
baseline
▲ 0.50% · 4.625%
HK$15,935
+HK$798/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,274/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,061
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,529
−HK$476/mo
Today · 4.125%
HK$16,005
baseline
▲ 0.50% · 4.625%
HK$16,979
+HK$974/mo
Deposit HK$1.42M · loan HK$3.30M · min. income ≈ HK$32,010/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$89,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,755
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,204
−HK$456/mo
Today · 4.125%
HK$17,660
baseline
▲ 0.50% · 4.625%
HK$18,591
+HK$931/mo
Deposit HK$1.42M · loan HK$3.30M · min. income ≈ HK$35,320/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$89,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,364
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,966
−HK$612/mo
Today · 4.125%
HK$20,578
baseline
▲ 0.50% · 4.625%
HK$21,830
+HK$1,252/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$41,156/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,542
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,120
−HK$586/mo
Today · 4.125%
HK$22,706
baseline
▲ 0.50% · 4.625%
HK$23,903
+HK$1,197/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$45,412/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,276 · 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).