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$10,768
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,103
−HK$340/mo
Today · 4.125%
HK$11,443
baseline
▲ 0.50% · 4.625%
HK$12,140
+HK$697/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,886/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,980
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,301
−HK$326/mo
Today · 4.125%
HK$12,627
baseline
▲ 0.50% · 4.625%
HK$13,292
+HK$665/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,254/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,922
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,324
−HK$408/mo
Today · 4.125%
HK$13,732
baseline
▲ 0.50% · 4.625%
HK$14,568
+HK$836/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,464/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,375
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,761
−HK$391/mo
Today · 4.125%
HK$15,152
baseline
▲ 0.50% · 4.625%
HK$15,951
+HK$799/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,304/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,075
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,544
−HK$477/mo
Today · 4.125%
HK$16,021
baseline
▲ 0.50% · 4.625%
HK$16,996
+HK$975/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,042/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,771
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,221
−HK$456/mo
Today · 4.125%
HK$17,677
baseline
▲ 0.50% · 4.625%
HK$18,609
+HK$932/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,354/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,383
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,986
−HK$612/mo
Today · 4.125%
HK$20,598
baseline
▲ 0.50% · 4.625%
HK$21,852
+HK$1,254/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$41,196/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,563
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,141
−HK$587/mo
Today · 4.125%
HK$22,728
baseline
▲ 0.50% · 4.625%
HK$23,926
+HK$1,198/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$45,456/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,736 · 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).