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$10,769
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,104
−HK$340/mo
Today · 4.125%
HK$11,444
baseline
▲ 0.50% · 4.625%
HK$12,140
+HK$696/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,888/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,980
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,301
−HK$326/mo
Today · 4.125%
HK$12,627
baseline
▲ 0.50% · 4.625%
HK$13,293
+HK$666/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,254/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,923
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,325
−HK$408/mo
Today · 4.125%
HK$13,733
baseline
▲ 0.50% · 4.625%
HK$14,569
+HK$836/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,466/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,376
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,762
−HK$391/mo
Today · 4.125%
HK$15,153
baseline
▲ 0.50% · 4.625%
HK$15,952
+HK$799/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,306/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,076
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,545
−HK$477/mo
Today · 4.125%
HK$16,022
baseline
▲ 0.50% · 4.625%
HK$16,997
+HK$975/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,044/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,772
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,222
−HK$456/mo
Today · 4.125%
HK$17,678
baseline
▲ 0.50% · 4.625%
HK$18,610
+HK$932/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,356/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,384
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,987
−HK$612/mo
Today · 4.125%
HK$20,599
baseline
▲ 0.50% · 4.625%
HK$21,853
+HK$1,254/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$41,198/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,564
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,143
−HK$586/mo
Today · 4.125%
HK$22,729
baseline
▲ 0.50% · 4.625%
HK$23,927
+HK$1,198/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$45,458/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,762 · 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).