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$10,743
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,078
−HK$339/mo
Today · 4.125%
HK$11,417
baseline
▲ 0.50% · 4.625%
HK$12,112
+HK$695/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,834/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,952
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,273
−HK$325/mo
Today · 4.125%
HK$12,598
baseline
▲ 0.50% · 4.625%
HK$13,262
+HK$664/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,196/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,892
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,293
−HK$408/mo
Today · 4.125%
HK$13,701
baseline
▲ 0.50% · 4.625%
HK$14,534
+HK$833/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$27,402/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,342
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,727
−HK$390/mo
Today · 4.125%
HK$15,117
baseline
▲ 0.50% · 4.625%
HK$15,914
+HK$797/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$30,234/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,041
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,509
−HK$475/mo
Today · 4.125%
HK$15,984
baseline
▲ 0.50% · 4.625%
HK$16,957
+HK$973/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,968/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,733
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,182
−HK$455/mo
Today · 4.125%
HK$17,637
baseline
▲ 0.50% · 4.625%
HK$18,566
+HK$929/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,274/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,338
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,940
−HK$611/mo
Today · 4.125%
HK$20,551
baseline
▲ 0.50% · 4.625%
HK$21,801
+HK$1,250/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,102/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,514
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,091
−HK$585/mo
Today · 4.125%
HK$22,676
baseline
▲ 0.50% · 4.625%
HK$23,871
+HK$1,195/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,352/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,651 · 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).