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$10,753
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,088
−HK$339/mo
Today · 4.125%
HK$11,427
baseline
▲ 0.50% · 4.625%
HK$12,123
+HK$696/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,854/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,963
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,283
−HK$326/mo
Today · 4.125%
HK$12,609
baseline
▲ 0.50% · 4.625%
HK$13,274
+HK$665/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,218/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,904
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,305
−HK$408/mo
Today · 4.125%
HK$13,713
baseline
▲ 0.50% · 4.625%
HK$14,547
+HK$834/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,426/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,355
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,740
−HK$391/mo
Today · 4.125%
HK$15,131
baseline
▲ 0.50% · 4.625%
HK$15,928
+HK$797/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,262/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,054
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,523
−HK$475/mo
Today · 4.125%
HK$15,998
baseline
▲ 0.50% · 4.625%
HK$16,972
+HK$974/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,996/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$89,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,748
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,197
−HK$456/mo
Today · 4.125%
HK$17,653
baseline
▲ 0.50% · 4.625%
HK$18,583
+HK$930/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,306/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$89,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,355
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,958
−HK$611/mo
Today · 4.125%
HK$20,569
baseline
▲ 0.50% · 4.625%
HK$21,821
+HK$1,252/mo
Deposit HK$472K · loan HK$4.24M · min. income ≈ HK$41,138/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,533
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,110
−HK$586/mo
Today · 4.125%
HK$22,696
baseline
▲ 0.50% · 4.625%
HK$23,892
+HK$1,196/mo
Deposit HK$472K · loan HK$4.24M · min. income ≈ HK$45,392/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,073 · 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).