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$10,784
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,119
−HK$341/mo
Today · 4.125%
HK$11,460
baseline
▲ 0.50% · 4.625%
HK$12,157
+HK$697/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,920/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,997
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,319
−HK$326/mo
Today · 4.125%
HK$12,645
baseline
▲ 0.50% · 4.625%
HK$13,311
+HK$666/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,290/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,940
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,343
−HK$409/mo
Today · 4.125%
HK$13,752
baseline
▲ 0.50% · 4.625%
HK$14,589
+HK$837/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,504/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,396
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,782
−HK$392/mo
Today · 4.125%
HK$15,174
baseline
▲ 0.50% · 4.625%
HK$15,974
+HK$800/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,348/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,097
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,567
−HK$477/mo
Today · 4.125%
HK$16,044
baseline
▲ 0.50% · 4.625%
HK$17,020
+HK$976/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,088/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,795
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,246
−HK$457/mo
Today · 4.125%
HK$17,703
baseline
▲ 0.50% · 4.625%
HK$18,636
+HK$933/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,406/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,411
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,014
−HK$614/mo
Today · 4.125%
HK$20,628
baseline
▲ 0.50% · 4.625%
HK$21,883
+HK$1,255/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$41,256/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,594
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,173
−HK$588/mo
Today · 4.125%
HK$22,761
baseline
▲ 0.50% · 4.625%
HK$23,961
+HK$1,200/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$45,522/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,417 · 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).