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$10,779
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,114
−HK$341/mo
Today · 4.125%
HK$11,455
baseline
▲ 0.50% · 4.625%
HK$12,152
+HK$697/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,910/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,991
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,313
−HK$326/mo
Today · 4.125%
HK$12,639
baseline
▲ 0.50% · 4.625%
HK$13,306
+HK$667/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,278/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,935
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,337
−HK$409/mo
Today · 4.125%
HK$13,746
baseline
▲ 0.50% · 4.625%
HK$14,582
+HK$836/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,492/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,390
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,776
−HK$391/mo
Today · 4.125%
HK$15,167
baseline
▲ 0.50% · 4.625%
HK$15,967
+HK$800/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,334/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,091
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,560
−HK$477/mo
Today · 4.125%
HK$16,037
baseline
▲ 0.50% · 4.625%
HK$17,013
+HK$976/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,074/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,788
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,238
−HK$457/mo
Today · 4.125%
HK$17,695
baseline
▲ 0.50% · 4.625%
HK$18,628
+HK$933/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,390/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,402
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,006
−HK$613/mo
Today · 4.125%
HK$20,619
baseline
▲ 0.50% · 4.625%
HK$21,873
+HK$1,254/mo
Deposit HK$473K · loan HK$4.25M · min. income ≈ HK$41,238/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,585
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,164
−HK$587/mo
Today · 4.125%
HK$22,751
baseline
▲ 0.50% · 4.625%
HK$23,950
+HK$1,199/mo
Deposit HK$473K · loan HK$4.25M · min. income ≈ HK$45,502/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,208 · 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).