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$10,781
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,116
−HK$341/mo
Today · 4.125%
HK$11,457
baseline
▲ 0.50% · 4.625%
HK$12,154
+HK$697/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,914/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,994
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,316
−HK$326/mo
Today · 4.125%
HK$12,642
baseline
▲ 0.50% · 4.625%
HK$13,308
+HK$666/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,284/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$90,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,937
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,340
−HK$409/mo
Today · 4.125%
HK$13,749
baseline
▲ 0.50% · 4.625%
HK$14,585
+HK$836/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,498/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,393
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,779
−HK$391/mo
Today · 4.125%
HK$15,170
baseline
▲ 0.50% · 4.625%
HK$15,970
+HK$800/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,340/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,094
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,563
−HK$477/mo
Today · 4.125%
HK$16,040
baseline
▲ 0.50% · 4.625%
HK$17,016
+HK$976/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,080/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,791
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,242
−HK$457/mo
Today · 4.125%
HK$17,699
baseline
▲ 0.50% · 4.625%
HK$18,632
+HK$933/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,398/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,406
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,010
−HK$613/mo
Today · 4.125%
HK$20,623
baseline
▲ 0.50% · 4.625%
HK$21,878
+HK$1,255/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$41,246/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,589
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,168
−HK$587/mo
Today · 4.125%
HK$22,755
baseline
▲ 0.50% · 4.625%
HK$23,955
+HK$1,200/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$45,510/mo (50% DSR)
Upfront cash ≈ HK$563K (deposit + AVD stamp duty HK$90,304 · 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).