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$10,777
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,112
−HK$341/mo
Today · 4.125%
HK$11,453
baseline
▲ 0.50% · 4.625%
HK$12,150
+HK$697/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,906/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,990
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,311
−HK$326/mo
Today · 4.125%
HK$12,637
baseline
▲ 0.50% · 4.625%
HK$13,303
+HK$666/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,274/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,933
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,335
−HK$409/mo
Today · 4.125%
HK$13,744
baseline
▲ 0.50% · 4.625%
HK$14,580
+HK$836/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,488/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,387
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,773
−HK$392/mo
Today · 4.125%
HK$15,165
baseline
▲ 0.50% · 4.625%
HK$15,964
+HK$799/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,330/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,088
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,557
−HK$477/mo
Today · 4.125%
HK$16,034
baseline
▲ 0.50% · 4.625%
HK$17,010
+HK$976/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,068/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,785
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,236
−HK$456/mo
Today · 4.125%
HK$17,692
baseline
▲ 0.50% · 4.625%
HK$18,625
+HK$933/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,384/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,399
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,002
−HK$614/mo
Today · 4.125%
HK$20,616
baseline
▲ 0.50% · 4.625%
HK$21,870
+HK$1,254/mo
Deposit HK$473K · loan HK$4.25M · min. income ≈ HK$41,232/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,581
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,160
−HK$587/mo
Today · 4.125%
HK$22,747
baseline
▲ 0.50% · 4.625%
HK$23,946
+HK$1,199/mo
Deposit HK$473K · loan HK$4.25M · min. income ≈ HK$45,494/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,133 · 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).