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$10,741
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,075
−HK$340/mo
Today · 4.125%
HK$11,415
baseline
▲ 0.50% · 4.625%
HK$12,109
+HK$694/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$88,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,949
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,270
−HK$325/mo
Today · 4.125%
HK$12,595
baseline
▲ 0.50% · 4.625%
HK$13,259
+HK$664/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,190/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,889
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,290
−HK$408/mo
Today · 4.125%
HK$13,698
baseline
▲ 0.50% · 4.625%
HK$14,531
+HK$833/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$88,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,339
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,724
−HK$390/mo
Today · 4.125%
HK$15,114
baseline
▲ 0.50% · 4.625%
HK$15,911
+HK$797/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$30,228/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,038
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,505
−HK$476/mo
Today · 4.125%
HK$15,981
baseline
▲ 0.50% · 4.625%
HK$16,953
+HK$972/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$88,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,729
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,178
−HK$455/mo
Today · 4.125%
HK$17,633
baseline
▲ 0.50% · 4.625%
HK$18,562
+HK$929/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,266/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,334
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,935
−HK$611/mo
Today · 4.125%
HK$20,546
baseline
▲ 0.50% · 4.625%
HK$21,797
+HK$1,251/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,092/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,509
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,086
−HK$585/mo
Today · 4.125%
HK$22,671
baseline
▲ 0.50% · 4.625%
HK$23,866
+HK$1,195/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,342/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,549 · 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).