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$10,766
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,101
−HK$340/mo
Today · 4.125%
HK$11,441
baseline
▲ 0.50% · 4.625%
HK$12,137
+HK$696/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,882/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,977
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,298
−HK$326/mo
Today · 4.125%
HK$12,624
baseline
▲ 0.50% · 4.625%
HK$13,289
+HK$665/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,248/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,919
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,321
−HK$408/mo
Today · 4.125%
HK$13,729
baseline
▲ 0.50% · 4.625%
HK$14,565
+HK$836/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,458/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,372
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,758
−HK$391/mo
Today · 4.125%
HK$15,149
baseline
▲ 0.50% · 4.625%
HK$15,947
+HK$798/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,298/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,072
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,541
−HK$476/mo
Today · 4.125%
HK$16,017
baseline
▲ 0.50% · 4.625%
HK$16,992
+HK$975/mo
Deposit HK$1.42M · loan HK$3.30M · min. income ≈ HK$32,034/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,768
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,217
−HK$457/mo
Today · 4.125%
HK$17,674
baseline
▲ 0.50% · 4.625%
HK$18,605
+HK$931/mo
Deposit HK$1.42M · loan HK$3.30M · min. income ≈ HK$35,348/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,379
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,981
−HK$613/mo
Today · 4.125%
HK$20,594
baseline
▲ 0.50% · 4.625%
HK$21,847
+HK$1,253/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$41,188/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,558
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,137
−HK$586/mo
Today · 4.125%
HK$22,723
baseline
▲ 0.50% · 4.625%
HK$23,921
+HK$1,198/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$45,446/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,634 · 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).