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$10,771
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,106
−HK$341/mo
Today · 4.125%
HK$11,447
baseline
▲ 0.50% · 4.625%
HK$12,143
+HK$696/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,894/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,983
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,304
−HK$326/mo
Today · 4.125%
HK$12,630
baseline
▲ 0.50% · 4.625%
HK$13,296
+HK$666/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,260/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,925
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,327
−HK$409/mo
Today · 4.125%
HK$13,736
baseline
▲ 0.50% · 4.625%
HK$14,572
+HK$836/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,472/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,379
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,765
−HK$391/mo
Today · 4.125%
HK$15,156
baseline
▲ 0.50% · 4.625%
HK$15,955
+HK$799/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,312/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,080
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,549
−HK$476/mo
Today · 4.125%
HK$16,025
baseline
▲ 0.50% · 4.625%
HK$17,000
+HK$975/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,050/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,776
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,226
−HK$456/mo
Today · 4.125%
HK$17,682
baseline
▲ 0.50% · 4.625%
HK$18,614
+HK$932/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,364/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,388
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,991
−HK$613/mo
Today · 4.125%
HK$20,604
baseline
▲ 0.50% · 4.625%
HK$21,857
+HK$1,253/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$41,208/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,569
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,147
−HK$587/mo
Today · 4.125%
HK$22,734
baseline
▲ 0.50% · 4.625%
HK$23,933
+HK$1,199/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$45,468/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,864 · 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).