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$10,745
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,079
−HK$339/mo
Today · 4.125%
HK$11,418
baseline
▲ 0.50% · 4.625%
HK$12,113
+HK$695/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,836/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,953
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,274
−HK$325/mo
Today · 4.125%
HK$12,599
baseline
▲ 0.50% · 4.625%
HK$13,263
+HK$664/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,198/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,894
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,295
−HK$407/mo
Today · 4.125%
HK$13,702
baseline
▲ 0.50% · 4.625%
HK$14,536
+HK$834/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$27,404/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,344
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,729
−HK$390/mo
Today · 4.125%
HK$15,119
baseline
▲ 0.50% · 4.625%
HK$15,916
+HK$797/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$30,238/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,043
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,510
−HK$476/mo
Today · 4.125%
HK$15,986
baseline
▲ 0.50% · 4.625%
HK$16,959
+HK$973/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,972/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,735
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,184
−HK$455/mo
Today · 4.125%
HK$17,639
baseline
▲ 0.50% · 4.625%
HK$18,569
+HK$930/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,278/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,340
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,942
−HK$611/mo
Today · 4.125%
HK$20,553
baseline
▲ 0.50% · 4.625%
HK$21,804
+HK$1,251/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,106/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,516
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,093
−HK$585/mo
Today · 4.125%
HK$22,678
baseline
▲ 0.50% · 4.625%
HK$23,874
+HK$1,196/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,356/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,705 · 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).