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$10,785
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,121
−HK$340/mo
Today · 4.125%
HK$11,461
baseline
▲ 0.50% · 4.625%
HK$12,159
+HK$698/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,922/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,998
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,320
−HK$327/mo
Today · 4.125%
HK$12,647
baseline
▲ 0.50% · 4.625%
HK$13,313
+HK$666/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,294/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,942
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,345
−HK$409/mo
Today · 4.125%
HK$13,754
baseline
▲ 0.50% · 4.625%
HK$14,591
+HK$837/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,508/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,398
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,784
−HK$392/mo
Today · 4.125%
HK$15,176
baseline
▲ 0.50% · 4.625%
HK$15,976
+HK$800/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,352/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,099
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,569
−HK$477/mo
Today · 4.125%
HK$16,046
baseline
▲ 0.50% · 4.625%
HK$17,022
+HK$976/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,092/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,798
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,248
−HK$457/mo
Today · 4.125%
HK$17,705
baseline
▲ 0.50% · 4.625%
HK$18,638
+HK$933/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,410/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,413
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,017
−HK$614/mo
Today · 4.125%
HK$20,631
baseline
▲ 0.50% · 4.625%
HK$21,886
+HK$1,255/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$41,262/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,597
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,176
−HK$588/mo
Today · 4.125%
HK$22,764
baseline
▲ 0.50% · 4.625%
HK$23,964
+HK$1,200/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$45,528/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,477 · 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).