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$10,750
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,085
−HK$340/mo
Today · 4.125%
HK$11,425
baseline
▲ 0.50% · 4.625%
HK$12,120
+HK$695/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,850/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$88,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,960
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,281
−HK$325/mo
Today · 4.125%
HK$12,606
baseline
▲ 0.50% · 4.625%
HK$13,270
+HK$664/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,212/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$88,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,901
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,302
−HK$408/mo
Today · 4.125%
HK$13,710
baseline
▲ 0.50% · 4.625%
HK$14,544
+HK$834/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,420/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,352
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,737
−HK$390/mo
Today · 4.125%
HK$15,127
baseline
▲ 0.50% · 4.625%
HK$15,924
+HK$797/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,254/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,051
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,519
−HK$475/mo
Today · 4.125%
HK$15,994
baseline
▲ 0.50% · 4.625%
HK$16,968
+HK$974/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,988/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,744
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,193
−HK$455/mo
Today · 4.125%
HK$17,648
baseline
▲ 0.50% · 4.625%
HK$18,579
+HK$931/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,296/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,351
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,953
−HK$611/mo
Today · 4.125%
HK$20,564
baseline
▲ 0.50% · 4.625%
HK$21,816
+HK$1,252/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,128/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,528
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,105
−HK$586/mo
Today · 4.125%
HK$22,691
baseline
▲ 0.50% · 4.625%
HK$23,887
+HK$1,196/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,382/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,959 · 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).