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$10,771
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,106
−HK$341/mo
Today · 4.125%
HK$11,447
baseline
▲ 0.50% · 4.625%
HK$12,143
+HK$696/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,894/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,983
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,304
−HK$327/mo
Today · 4.125%
HK$12,631
baseline
▲ 0.50% · 4.625%
HK$13,296
+HK$665/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,262/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,926
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,328
−HK$408/mo
Today · 4.125%
HK$13,736
baseline
▲ 0.50% · 4.625%
HK$14,572
+HK$836/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,472/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,380
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,765
−HK$392/mo
Today · 4.125%
HK$15,157
baseline
▲ 0.50% · 4.625%
HK$15,956
+HK$799/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,314/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,080
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,549
−HK$477/mo
Today · 4.125%
HK$16,026
baseline
▲ 0.50% · 4.625%
HK$17,001
+HK$975/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,052/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,776
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,226
−HK$457/mo
Today · 4.125%
HK$17,683
baseline
▲ 0.50% · 4.625%
HK$18,615
+HK$932/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,366/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,389
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,992
−HK$612/mo
Today · 4.125%
HK$20,604
baseline
▲ 0.50% · 4.625%
HK$21,858
+HK$1,254/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$41,208/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,570
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,148
−HK$587/mo
Today · 4.125%
HK$22,735
baseline
▲ 0.50% · 4.625%
HK$23,933
+HK$1,198/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$45,470/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,879 · 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).