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$10,769
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,104
−HK$341/mo
Today · 4.125%
HK$11,445
baseline
▲ 0.50% · 4.625%
HK$12,141
+HK$696/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,890/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,981
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,302
−HK$326/mo
Today · 4.125%
HK$12,628
baseline
▲ 0.50% · 4.625%
HK$13,294
+HK$666/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,256/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,923
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,325
−HK$409/mo
Today · 4.125%
HK$13,734
baseline
▲ 0.50% · 4.625%
HK$14,569
+HK$835/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,468/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,377
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,763
−HK$391/mo
Today · 4.125%
HK$15,154
baseline
▲ 0.50% · 4.625%
HK$15,953
+HK$799/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,308/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,077
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,546
−HK$477/mo
Today · 4.125%
HK$16,023
baseline
▲ 0.50% · 4.625%
HK$16,998
+HK$975/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,046/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,773
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,223
−HK$456/mo
Today · 4.125%
HK$17,679
baseline
▲ 0.50% · 4.625%
HK$18,611
+HK$932/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,358/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,385
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,988
−HK$613/mo
Today · 4.125%
HK$20,601
baseline
▲ 0.50% · 4.625%
HK$21,854
+HK$1,253/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$41,202/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,566
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,144
−HK$587/mo
Today · 4.125%
HK$22,731
baseline
▲ 0.50% · 4.625%
HK$23,929
+HK$1,198/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$45,462/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,792 · 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).