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$10,785
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,120
−HK$341/mo
Today · 4.125%
HK$11,461
baseline
▲ 0.50% · 4.625%
HK$12,158
+HK$697/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,922/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,998
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,320
−HK$326/mo
Today · 4.125%
HK$12,646
baseline
▲ 0.50% · 4.625%
HK$13,313
+HK$667/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,292/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,942
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,344
−HK$409/mo
Today · 4.125%
HK$13,753
baseline
▲ 0.50% · 4.625%
HK$14,590
+HK$837/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,506/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,397
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,784
−HK$391/mo
Today · 4.125%
HK$15,175
baseline
▲ 0.50% · 4.625%
HK$15,975
+HK$800/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,350/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,099
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,568
−HK$477/mo
Today · 4.125%
HK$16,045
baseline
▲ 0.50% · 4.625%
HK$17,022
+HK$977/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,090/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,797
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,247
−HK$457/mo
Today · 4.125%
HK$17,704
baseline
▲ 0.50% · 4.625%
HK$18,638
+HK$934/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,408/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,412
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,016
−HK$614/mo
Today · 4.125%
HK$20,630
baseline
▲ 0.50% · 4.625%
HK$21,885
+HK$1,255/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$41,260/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,596
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,175
−HK$588/mo
Today · 4.125%
HK$22,763
baseline
▲ 0.50% · 4.625%
HK$23,963
+HK$1,200/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$45,526/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,459 · 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).