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$10,742
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,076
−HK$339/mo
Today · 4.125%
HK$11,415
baseline
▲ 0.50% · 4.625%
HK$12,110
+HK$695/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,830/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,950
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,271
−HK$325/mo
Today · 4.125%
HK$12,596
baseline
▲ 0.50% · 4.625%
HK$13,260
+HK$664/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,192/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,890
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,291
−HK$407/mo
Today · 4.125%
HK$13,698
baseline
▲ 0.50% · 4.625%
HK$14,532
+HK$834/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$27,396/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,340
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,725
−HK$390/mo
Today · 4.125%
HK$15,115
baseline
▲ 0.50% · 4.625%
HK$15,911
+HK$796/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$30,230/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,038
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,506
−HK$475/mo
Today · 4.125%
HK$15,981
baseline
▲ 0.50% · 4.625%
HK$16,954
+HK$973/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,962/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,730
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,179
−HK$455/mo
Today · 4.125%
HK$17,634
baseline
▲ 0.50% · 4.625%
HK$18,563
+HK$929/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,268/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,335
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,936
−HK$611/mo
Today · 4.125%
HK$20,547
baseline
▲ 0.50% · 4.625%
HK$21,798
+HK$1,251/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,094/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,510
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,087
−HK$585/mo
Today · 4.125%
HK$22,672
baseline
▲ 0.50% · 4.625%
HK$23,867
+HK$1,195/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,344/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,574 · 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).