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$10,747
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,081
−HK$339/mo
Today · 4.125%
HK$11,420
baseline
▲ 0.50% · 4.625%
HK$12,115
+HK$695/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$88,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,955
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,276
−HK$325/mo
Today · 4.125%
HK$12,601
baseline
▲ 0.50% · 4.625%
HK$13,266
+HK$665/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,202/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$88,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,896
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,297
−HK$408/mo
Today · 4.125%
HK$13,705
baseline
▲ 0.50% · 4.625%
HK$14,538
+HK$833/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,410/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,347
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,731
−HK$391/mo
Today · 4.125%
HK$15,122
baseline
▲ 0.50% · 4.625%
HK$15,919
+HK$797/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,244/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,045
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,513
−HK$476/mo
Today · 4.125%
HK$15,989
baseline
▲ 0.50% · 4.625%
HK$16,962
+HK$973/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,978/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,738
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,187
−HK$455/mo
Today · 4.125%
HK$17,642
baseline
▲ 0.50% · 4.625%
HK$18,572
+HK$930/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,284/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,344
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,946
−HK$611/mo
Today · 4.125%
HK$20,557
baseline
▲ 0.50% · 4.625%
HK$21,808
+HK$1,251/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,114/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,520
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,097
−HK$585/mo
Today · 4.125%
HK$22,682
baseline
▲ 0.50% · 4.625%
HK$23,878
+HK$1,196/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,364/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,789 · 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).