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$10,754
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,089
−HK$339/mo
Today · 4.125%
HK$11,428
baseline
▲ 0.50% · 4.625%
HK$12,124
+HK$696/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,856/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,964
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,285
−HK$325/mo
Today · 4.125%
HK$12,610
baseline
▲ 0.50% · 4.625%
HK$13,275
+HK$665/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,220/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,905
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,306
−HK$408/mo
Today · 4.125%
HK$13,714
baseline
▲ 0.50% · 4.625%
HK$14,549
+HK$835/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,428/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,356
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,741
−HK$391/mo
Today · 4.125%
HK$15,132
baseline
▲ 0.50% · 4.625%
HK$15,930
+HK$798/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,264/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,056
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,524
−HK$476/mo
Today · 4.125%
HK$16,000
baseline
▲ 0.50% · 4.625%
HK$16,973
+HK$973/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$32,000/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$89,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,749
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,198
−HK$456/mo
Today · 4.125%
HK$17,654
baseline
▲ 0.50% · 4.625%
HK$18,585
+HK$931/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,308/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$89,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,357
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,959
−HK$612/mo
Today · 4.125%
HK$20,571
baseline
▲ 0.50% · 4.625%
HK$21,823
+HK$1,252/mo
Deposit HK$472K · loan HK$4.24M · min. income ≈ HK$41,142/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,535
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,112
−HK$586/mo
Today · 4.125%
HK$22,698
baseline
▲ 0.50% · 4.625%
HK$23,895
+HK$1,197/mo
Deposit HK$472K · loan HK$4.24M · min. income ≈ HK$45,396/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,114 · 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).