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$10,747
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,081
−HK$340/mo
Today · 4.125%
HK$11,421
baseline
▲ 0.50% · 4.625%
HK$12,116
+HK$695/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,842/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$88,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,956
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,276
−HK$326/mo
Today · 4.125%
HK$12,602
baseline
▲ 0.50% · 4.625%
HK$13,266
+HK$664/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,204/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$88,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,896
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,297
−HK$408/mo
Today · 4.125%
HK$13,705
baseline
▲ 0.50% · 4.625%
HK$14,539
+HK$834/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,410/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,347
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,732
−HK$390/mo
Today · 4.125%
HK$15,122
baseline
▲ 0.50% · 4.625%
HK$15,919
+HK$797/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,244/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,046
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,514
−HK$475/mo
Today · 4.125%
HK$15,989
baseline
▲ 0.50% · 4.625%
HK$16,962
+HK$973/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,978/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,738
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,187
−HK$455/mo
Today · 4.125%
HK$17,642
baseline
▲ 0.50% · 4.625%
HK$18,572
+HK$930/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,284/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,344
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,946
−HK$611/mo
Today · 4.125%
HK$20,557
baseline
▲ 0.50% · 4.625%
HK$21,808
+HK$1,251/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,114/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,520
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,097
−HK$586/mo
Today · 4.125%
HK$22,683
baseline
▲ 0.50% · 4.625%
HK$23,879
+HK$1,196/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,366/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,798 · 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).