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$10,743
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,077
−HK$340/mo
Today · 4.125%
HK$11,417
baseline
▲ 0.50% · 4.625%
HK$12,112
+HK$695/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,834/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,952
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,272
−HK$325/mo
Today · 4.125%
HK$12,597
baseline
▲ 0.50% · 4.625%
HK$13,261
+HK$664/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,194/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,892
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,293
−HK$407/mo
Today · 4.125%
HK$13,700
baseline
▲ 0.50% · 4.625%
HK$14,534
+HK$834/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$27,400/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,342
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,727
−HK$390/mo
Today · 4.125%
HK$15,117
baseline
▲ 0.50% · 4.625%
HK$15,914
+HK$797/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$30,234/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,040
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,508
−HK$476/mo
Today · 4.125%
HK$15,984
baseline
▲ 0.50% · 4.625%
HK$16,956
+HK$972/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,968/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,732
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,181
−HK$455/mo
Today · 4.125%
HK$17,636
baseline
▲ 0.50% · 4.625%
HK$18,566
+HK$930/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,272/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,338
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,939
−HK$611/mo
Today · 4.125%
HK$20,550
baseline
▲ 0.50% · 4.625%
HK$21,801
+HK$1,251/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,100/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,513
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,090
−HK$585/mo
Today · 4.125%
HK$22,675
baseline
▲ 0.50% · 4.625%
HK$23,870
+HK$1,195/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,350/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,638 · 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).