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$10,764
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,099
−HK$340/mo
Today · 4.125%
HK$11,439
baseline
▲ 0.50% · 4.625%
HK$12,135
+HK$696/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,878/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,975
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,296
−HK$325/mo
Today · 4.125%
HK$12,621
baseline
▲ 0.50% · 4.625%
HK$13,287
+HK$666/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,242/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,916
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,318
−HK$408/mo
Today · 4.125%
HK$13,726
baseline
▲ 0.50% · 4.625%
HK$14,562
+HK$836/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,452/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,369
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,755
−HK$391/mo
Today · 4.125%
HK$15,146
baseline
▲ 0.50% · 4.625%
HK$15,944
+HK$798/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,292/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,069
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,538
−HK$476/mo
Today · 4.125%
HK$16,014
baseline
▲ 0.50% · 4.625%
HK$16,989
+HK$975/mo
Deposit HK$1.42M · loan HK$3.30M · min. income ≈ HK$32,028/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,764
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,214
−HK$456/mo
Today · 4.125%
HK$17,670
baseline
▲ 0.50% · 4.625%
HK$18,601
+HK$931/mo
Deposit HK$1.42M · loan HK$3.30M · min. income ≈ HK$35,340/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,375
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$19,977
−HK$613/mo
Today · 4.125%
HK$20,590
baseline
▲ 0.50% · 4.625%
HK$21,843
+HK$1,253/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$41,180/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,554
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,132
−HK$587/mo
Today · 4.125%
HK$22,719
baseline
▲ 0.50% · 4.625%
HK$23,916
+HK$1,197/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$45,438/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,541 · 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).