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$10,775
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,110
−HK$340/mo
Today · 4.125%
HK$11,450
baseline
▲ 0.50% · 4.625%
HK$12,147
+HK$697/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,900/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,987
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,308
−HK$326/mo
Today · 4.125%
HK$12,634
baseline
▲ 0.50% · 4.625%
HK$13,300
+HK$666/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,268/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,929
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,332
−HK$408/mo
Today · 4.125%
HK$13,740
baseline
▲ 0.50% · 4.625%
HK$14,576
+HK$836/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,480/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,384
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,770
−HK$391/mo
Today · 4.125%
HK$15,161
baseline
▲ 0.50% · 4.625%
HK$15,960
+HK$799/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,322/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,084
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,554
−HK$476/mo
Today · 4.125%
HK$16,030
baseline
▲ 0.50% · 4.625%
HK$17,006
+HK$976/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,060/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,781
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,231
−HK$457/mo
Today · 4.125%
HK$17,688
baseline
▲ 0.50% · 4.625%
HK$18,620
+HK$932/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,376/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,394
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,997
−HK$613/mo
Today · 4.125%
HK$20,610
baseline
▲ 0.50% · 4.625%
HK$21,864
+HK$1,254/mo
Deposit HK$473K · loan HK$4.25M · min. income ≈ HK$41,220/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,576
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,154
−HK$587/mo
Today · 4.125%
HK$22,741
baseline
▲ 0.50% · 4.625%
HK$23,940
+HK$1,199/mo
Deposit HK$473K · loan HK$4.25M · min. income ≈ HK$45,482/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,014 · 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).