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$10,775
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,110
−HK$340/mo
Today · 4.125%
HK$11,450
baseline
▲ 0.50% · 4.625%
HK$12,147
+HK$697/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,900/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,987
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,308
−HK$326/mo
Today · 4.125%
HK$12,634
baseline
▲ 0.50% · 4.625%
HK$13,300
+HK$666/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,268/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,930
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,332
−HK$409/mo
Today · 4.125%
HK$13,741
baseline
▲ 0.50% · 4.625%
HK$14,577
+HK$836/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,482/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,384
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,770
−HK$391/mo
Today · 4.125%
HK$15,161
baseline
▲ 0.50% · 4.625%
HK$15,961
+HK$800/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,322/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,085
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,554
−HK$477/mo
Today · 4.125%
HK$16,031
baseline
▲ 0.50% · 4.625%
HK$17,006
+HK$975/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,062/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,782
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,232
−HK$456/mo
Today · 4.125%
HK$17,688
baseline
▲ 0.50% · 4.625%
HK$18,621
+HK$933/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,376/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,395
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,998
−HK$613/mo
Today · 4.125%
HK$20,611
baseline
▲ 0.50% · 4.625%
HK$21,865
+HK$1,254/mo
Deposit HK$473K · loan HK$4.25M · min. income ≈ HK$41,222/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,576
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,155
−HK$587/mo
Today · 4.125%
HK$22,742
baseline
▲ 0.50% · 4.625%
HK$23,941
+HK$1,199/mo
Deposit HK$473K · loan HK$4.25M · min. income ≈ HK$45,484/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,026 · 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).