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$10,774
−HK$675/mo
▼ 0.25% · 3.875%
HK$11,109
−HK$340/mo
Today · 4.125%
HK$11,449
baseline
▲ 0.50% · 4.625%
HK$12,146
+HK$697/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,898/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,986
−HK$647/mo
▼ 0.25% · 3.875%
HK$12,307
−HK$326/mo
Today · 4.125%
HK$12,633
baseline
▲ 0.50% · 4.625%
HK$13,299
+HK$666/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,266/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,928
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,331
−HK$408/mo
Today · 4.125%
HK$13,739
baseline
▲ 0.50% · 4.625%
HK$14,575
+HK$836/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,478/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,383
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,768
−HK$392/mo
Today · 4.125%
HK$15,160
baseline
▲ 0.50% · 4.625%
HK$15,959
+HK$799/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,320/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,083
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,552
−HK$477/mo
Today · 4.125%
HK$16,029
baseline
▲ 0.50% · 4.625%
HK$17,004
+HK$975/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,058/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,780
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,230
−HK$456/mo
Today · 4.125%
HK$17,686
baseline
▲ 0.50% · 4.625%
HK$18,619
+HK$933/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,372/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,393
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,996
−HK$613/mo
Today · 4.125%
HK$20,609
baseline
▲ 0.50% · 4.625%
HK$21,863
+HK$1,254/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$41,218/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,574
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,153
−HK$587/mo
Today · 4.125%
HK$22,740
baseline
▲ 0.50% · 4.625%
HK$23,938
+HK$1,198/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$45,480/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,977 · 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).