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$10,765
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,099
−HK$341/mo
Today · 4.125%
HK$11,440
baseline
▲ 0.50% · 4.625%
HK$12,136
+HK$696/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,880/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,976
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,297
−HK$326/mo
Today · 4.125%
HK$12,623
baseline
▲ 0.50% · 4.625%
HK$13,288
+HK$665/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,246/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,918
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,319
−HK$409/mo
Today · 4.125%
HK$13,728
baseline
▲ 0.50% · 4.625%
HK$14,563
+HK$835/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,456/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,371
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,756
−HK$391/mo
Today · 4.125%
HK$15,147
baseline
▲ 0.50% · 4.625%
HK$15,946
+HK$799/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,294/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,071
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,539
−HK$477/mo
Today · 4.125%
HK$16,016
baseline
▲ 0.50% · 4.625%
HK$16,990
+HK$974/mo
Deposit HK$1.42M · loan HK$3.30M · min. income ≈ HK$32,032/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,766
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,215
−HK$457/mo
Today · 4.125%
HK$17,672
baseline
▲ 0.50% · 4.625%
HK$18,603
+HK$931/mo
Deposit HK$1.42M · loan HK$3.30M · min. income ≈ HK$35,344/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,376
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,979
−HK$612/mo
Today · 4.125%
HK$20,591
baseline
▲ 0.50% · 4.625%
HK$21,844
+HK$1,253/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$41,182/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,556
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,134
−HK$587/mo
Today · 4.125%
HK$22,721
baseline
▲ 0.50% · 4.625%
HK$23,918
+HK$1,197/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$45,442/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,581 · 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).