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$10,762
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,097
−HK$340/mo
Today · 4.125%
HK$11,437
baseline
▲ 0.50% · 4.625%
HK$12,133
+HK$696/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,874/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,972
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,293
−HK$326/mo
Today · 4.125%
HK$12,619
baseline
▲ 0.50% · 4.625%
HK$13,284
+HK$665/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,238/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,914
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,316
−HK$408/mo
Today · 4.125%
HK$13,724
baseline
▲ 0.50% · 4.625%
HK$14,559
+HK$835/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,448/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,367
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,752
−HK$391/mo
Today · 4.125%
HK$15,143
baseline
▲ 0.50% · 4.625%
HK$15,941
+HK$798/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,286/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,066
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,535
−HK$476/mo
Today · 4.125%
HK$16,011
baseline
▲ 0.50% · 4.625%
HK$16,986
+HK$975/mo
Deposit HK$1.42M · loan HK$3.30M · min. income ≈ HK$32,022/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,761
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,211
−HK$456/mo
Today · 4.125%
HK$17,667
baseline
▲ 0.50% · 4.625%
HK$18,598
+HK$931/mo
Deposit HK$1.42M · loan HK$3.30M · min. income ≈ HK$35,334/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,371
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,974
−HK$612/mo
Today · 4.125%
HK$20,586
baseline
▲ 0.50% · 4.625%
HK$21,839
+HK$1,253/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$41,172/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,550
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,128
−HK$587/mo
Today · 4.125%
HK$22,715
baseline
▲ 0.50% · 4.625%
HK$23,912
+HK$1,197/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$45,430/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,455 · 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).