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$10,760
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,094
−HK$340/mo
Today · 4.125%
HK$11,434
baseline
▲ 0.50% · 4.625%
HK$12,130
+HK$696/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,868/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,970
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,291
−HK$326/mo
Today · 4.125%
HK$12,617
baseline
▲ 0.50% · 4.625%
HK$13,282
+HK$665/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,234/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,912
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,313
−HK$408/mo
Today · 4.125%
HK$13,721
baseline
▲ 0.50% · 4.625%
HK$14,556
+HK$835/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,442/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,364
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,749
−HK$391/mo
Today · 4.125%
HK$15,140
baseline
▲ 0.50% · 4.625%
HK$15,938
+HK$798/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,280/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,064
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,532
−HK$476/mo
Today · 4.125%
HK$16,008
baseline
▲ 0.50% · 4.625%
HK$16,982
+HK$974/mo
Deposit HK$1.42M · loan HK$3.30M · min. income ≈ HK$32,016/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$89,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,758
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,208
−HK$455/mo
Today · 4.125%
HK$17,663
baseline
▲ 0.50% · 4.625%
HK$18,595
+HK$932/mo
Deposit HK$1.42M · loan HK$3.30M · min. income ≈ HK$35,326/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$89,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,367
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,970
−HK$612/mo
Today · 4.125%
HK$20,582
baseline
▲ 0.50% · 4.625%
HK$21,834
+HK$1,252/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$41,164/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,546
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,124
−HK$586/mo
Today · 4.125%
HK$22,710
baseline
▲ 0.50% · 4.625%
HK$23,907
+HK$1,197/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$45,420/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,365 · 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).