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$10,757
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,091
−HK$340/mo
Today · 4.125%
HK$11,431
baseline
▲ 0.50% · 4.625%
HK$12,127
+HK$696/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,862/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,967
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,288
−HK$325/mo
Today · 4.125%
HK$12,613
baseline
▲ 0.50% · 4.625%
HK$13,278
+HK$665/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,226/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,908
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,310
−HK$407/mo
Today · 4.125%
HK$13,717
baseline
▲ 0.50% · 4.625%
HK$14,552
+HK$835/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,434/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,360
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,745
−HK$391/mo
Today · 4.125%
HK$15,136
baseline
▲ 0.50% · 4.625%
HK$15,934
+HK$798/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,272/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,059
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,528
−HK$476/mo
Today · 4.125%
HK$16,004
baseline
▲ 0.50% · 4.625%
HK$16,977
+HK$973/mo
Deposit HK$1.42M · loan HK$3.30M · min. income ≈ HK$32,008/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$89,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,753
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,203
−HK$456/mo
Today · 4.125%
HK$17,659
baseline
▲ 0.50% · 4.625%
HK$18,589
+HK$930/mo
Deposit HK$1.42M · loan HK$3.30M · min. income ≈ HK$35,318/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$89,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,362
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,964
−HK$612/mo
Today · 4.125%
HK$20,576
baseline
▲ 0.50% · 4.625%
HK$21,828
+HK$1,252/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$41,152/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,540
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,118
−HK$586/mo
Today · 4.125%
HK$22,704
baseline
▲ 0.50% · 4.625%
HK$23,901
+HK$1,197/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$45,408/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,232 · 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).