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$10,767
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,102
−HK$340/mo
Today · 4.125%
HK$11,442
baseline
▲ 0.50% · 4.625%
HK$12,139
+HK$697/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,884/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,978
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,300
−HK$326/mo
Today · 4.125%
HK$12,626
baseline
▲ 0.50% · 4.625%
HK$13,291
+HK$665/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,252/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,921
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,323
−HK$408/mo
Today · 4.125%
HK$13,731
baseline
▲ 0.50% · 4.625%
HK$14,566
+HK$835/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,462/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,374
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,760
−HK$391/mo
Today · 4.125%
HK$15,151
baseline
▲ 0.50% · 4.625%
HK$15,949
+HK$798/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,302/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,074
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,543
−HK$476/mo
Today · 4.125%
HK$16,019
baseline
▲ 0.50% · 4.625%
HK$16,994
+HK$975/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,038/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,770
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,220
−HK$456/mo
Today · 4.125%
HK$17,676
baseline
▲ 0.50% · 4.625%
HK$18,608
+HK$932/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,352/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,381
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,984
−HK$612/mo
Today · 4.125%
HK$20,596
baseline
▲ 0.50% · 4.625%
HK$21,850
+HK$1,254/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$41,192/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,561
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,139
−HK$587/mo
Today · 4.125%
HK$22,726
baseline
▲ 0.50% · 4.625%
HK$23,924
+HK$1,198/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$45,452/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,693 · 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).