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$10,775
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,111
−HK$340/mo
Today · 4.125%
HK$11,451
baseline
▲ 0.50% · 4.625%
HK$12,148
+HK$697/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,902/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,987
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,309
−HK$326/mo
Today · 4.125%
HK$12,635
baseline
▲ 0.50% · 4.625%
HK$13,301
+HK$666/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,270/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,930
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,333
−HK$408/mo
Today · 4.125%
HK$13,741
baseline
▲ 0.50% · 4.625%
HK$14,577
+HK$836/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,482/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,385
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,771
−HK$391/mo
Today · 4.125%
HK$15,162
baseline
▲ 0.50% · 4.625%
HK$15,961
+HK$799/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,324/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,086
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,555
−HK$477/mo
Today · 4.125%
HK$16,032
baseline
▲ 0.50% · 4.625%
HK$17,007
+HK$975/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,064/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,782
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,233
−HK$456/mo
Today · 4.125%
HK$17,689
baseline
▲ 0.50% · 4.625%
HK$18,622
+HK$933/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,378/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,396
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,999
−HK$613/mo
Today · 4.125%
HK$20,612
baseline
▲ 0.50% · 4.625%
HK$21,866
+HK$1,254/mo
Deposit HK$473K · loan HK$4.25M · min. income ≈ HK$41,224/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,577
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,156
−HK$587/mo
Today · 4.125%
HK$22,743
baseline
▲ 0.50% · 4.625%
HK$23,942
+HK$1,199/mo
Deposit HK$473K · loan HK$4.25M · min. income ≈ HK$45,486/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,052 · 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).