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$10,751
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,086
−HK$339/mo
Today · 4.125%
HK$11,425
baseline
▲ 0.50% · 4.625%
HK$12,121
+HK$696/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,850/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$88,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,961
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,281
−HK$326/mo
Today · 4.125%
HK$12,607
baseline
▲ 0.50% · 4.625%
HK$13,271
+HK$664/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,214/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$88,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,901
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,303
−HK$407/mo
Today · 4.125%
HK$13,710
baseline
▲ 0.50% · 4.625%
HK$14,545
+HK$835/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,420/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,353
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,738
−HK$390/mo
Today · 4.125%
HK$15,128
baseline
▲ 0.50% · 4.625%
HK$15,926
+HK$798/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,256/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,052
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,520
−HK$476/mo
Today · 4.125%
HK$15,996
baseline
▲ 0.50% · 4.625%
HK$16,969
+HK$973/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,992/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,745
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,194
−HK$456/mo
Today · 4.125%
HK$17,650
baseline
▲ 0.50% · 4.625%
HK$18,580
+HK$930/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,300/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,352
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,954
−HK$612/mo
Today · 4.125%
HK$20,566
baseline
▲ 0.50% · 4.625%
HK$21,817
+HK$1,251/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,132/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,529
−HK$1,163/mo
▼ 0.25% · 3.875%
HK$22,106
−HK$586/mo
Today · 4.125%
HK$22,692
baseline
▲ 0.50% · 4.625%
HK$23,888
+HK$1,196/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,384/mo (50% DSR)
Upfront cash ≈ HK$560K (deposit + AVD stamp duty HK$88,991 · 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).