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$10,756
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,090
−HK$340/mo
Today · 4.125%
HK$11,430
baseline
▲ 0.50% · 4.625%
HK$12,126
+HK$696/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,860/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,966
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,287
−HK$325/mo
Today · 4.125%
HK$12,612
baseline
▲ 0.50% · 4.625%
HK$13,277
+HK$665/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,224/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,907
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,309
−HK$407/mo
Today · 4.125%
HK$13,716
baseline
▲ 0.50% · 4.625%
HK$14,551
+HK$835/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,432/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,359
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,744
−HK$391/mo
Today · 4.125%
HK$15,135
baseline
▲ 0.50% · 4.625%
HK$15,933
+HK$798/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,270/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,058
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,527
−HK$476/mo
Today · 4.125%
HK$16,003
baseline
▲ 0.50% · 4.625%
HK$16,976
+HK$973/mo
Deposit HK$1.42M · loan HK$3.30M · min. income ≈ HK$32,006/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$89,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,752
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,201
−HK$456/mo
Today · 4.125%
HK$17,657
baseline
▲ 0.50% · 4.625%
HK$18,588
+HK$931/mo
Deposit HK$1.42M · loan HK$3.30M · min. income ≈ HK$35,314/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$89,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,361
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,963
−HK$612/mo
Today · 4.125%
HK$20,575
baseline
▲ 0.50% · 4.625%
HK$21,827
+HK$1,252/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$41,150/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,538
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,116
−HK$586/mo
Today · 4.125%
HK$22,702
baseline
▲ 0.50% · 4.625%
HK$23,899
+HK$1,197/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$45,404/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,197 · 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).