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$10,746
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,080
−HK$340/mo
Today · 4.125%
HK$11,420
baseline
▲ 0.50% · 4.625%
HK$12,114
+HK$694/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,840/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$88,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,955
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,275
−HK$325/mo
Today · 4.125%
HK$12,600
baseline
▲ 0.50% · 4.625%
HK$13,265
+HK$665/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,200/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$88,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,895
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,296
−HK$407/mo
Today · 4.125%
HK$13,703
baseline
▲ 0.50% · 4.625%
HK$14,537
+HK$834/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,406/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,345
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,730
−HK$390/mo
Today · 4.125%
HK$15,120
baseline
▲ 0.50% · 4.625%
HK$15,917
+HK$797/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,240/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,044
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,512
−HK$475/mo
Today · 4.125%
HK$15,987
baseline
▲ 0.50% · 4.625%
HK$16,960
+HK$973/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,974/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,736
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,185
−HK$456/mo
Today · 4.125%
HK$17,641
baseline
▲ 0.50% · 4.625%
HK$18,570
+HK$929/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,282/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,342
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,944
−HK$611/mo
Today · 4.125%
HK$20,555
baseline
▲ 0.50% · 4.625%
HK$21,806
+HK$1,251/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,110/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,518
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,095
−HK$586/mo
Today · 4.125%
HK$22,681
baseline
▲ 0.50% · 4.625%
HK$23,876
+HK$1,195/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,362/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,751 · 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).