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$10,759
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,093
−HK$340/mo
Today · 4.125%
HK$11,433
baseline
▲ 0.50% · 4.625%
HK$12,129
+HK$696/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,866/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,969
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,290
−HK$325/mo
Today · 4.125%
HK$12,615
baseline
▲ 0.50% · 4.625%
HK$13,280
+HK$665/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,230/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,910
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,312
−HK$408/mo
Today · 4.125%
HK$13,720
baseline
▲ 0.50% · 4.625%
HK$14,555
+HK$835/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,440/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,362
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,748
−HK$390/mo
Today · 4.125%
HK$15,138
baseline
▲ 0.50% · 4.625%
HK$15,936
+HK$798/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,276/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,062
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,530
−HK$476/mo
Today · 4.125%
HK$16,006
baseline
▲ 0.50% · 4.625%
HK$16,980
+HK$974/mo
Deposit HK$1.42M · loan HK$3.30M · min. income ≈ HK$32,012/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$89,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,756
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,206
−HK$456/mo
Today · 4.125%
HK$17,662
baseline
▲ 0.50% · 4.625%
HK$18,592
+HK$930/mo
Deposit HK$1.42M · loan HK$3.30M · min. income ≈ HK$35,324/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$89,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,365
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,968
−HK$612/mo
Today · 4.125%
HK$20,580
baseline
▲ 0.50% · 4.625%
HK$21,832
+HK$1,252/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$41,160/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,544
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,122
−HK$586/mo
Today · 4.125%
HK$22,708
baseline
▲ 0.50% · 4.625%
HK$23,905
+HK$1,197/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$45,416/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,312 · 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).