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$10,749
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,084
−HK$340/mo
Today · 4.125%
HK$11,424
baseline
▲ 0.50% · 4.625%
HK$12,119
+HK$695/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,848/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$88,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,959
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,279
−HK$326/mo
Today · 4.125%
HK$12,605
baseline
▲ 0.50% · 4.625%
HK$13,269
+HK$664/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,210/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$88,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,899
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,301
−HK$407/mo
Today · 4.125%
HK$13,708
baseline
▲ 0.50% · 4.625%
HK$14,542
+HK$834/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,416/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,350
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,735
−HK$391/mo
Today · 4.125%
HK$15,126
baseline
▲ 0.50% · 4.625%
HK$15,923
+HK$797/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,252/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,049
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,517
−HK$476/mo
Today · 4.125%
HK$15,993
baseline
▲ 0.50% · 4.625%
HK$16,966
+HK$973/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,986/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,742
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,191
−HK$456/mo
Today · 4.125%
HK$17,647
baseline
▲ 0.50% · 4.625%
HK$18,577
+HK$930/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,294/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,349
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$19,951
−HK$611/mo
Today · 4.125%
HK$20,562
baseline
▲ 0.50% · 4.625%
HK$21,814
+HK$1,252/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,124/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,526
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,103
−HK$586/mo
Today · 4.125%
HK$22,689
baseline
▲ 0.50% · 4.625%
HK$23,885
+HK$1,196/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,378/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,917 · 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).