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$10,755
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,089
−HK$340/mo
Today · 4.125%
HK$11,429
baseline
▲ 0.50% · 4.625%
HK$12,125
+HK$696/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,858/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,965
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,285
−HK$326/mo
Today · 4.125%
HK$12,611
baseline
▲ 0.50% · 4.625%
HK$13,276
+HK$665/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,222/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,906
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,307
−HK$408/mo
Today · 4.125%
HK$13,715
baseline
▲ 0.50% · 4.625%
HK$14,550
+HK$835/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,430/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,358
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,743
−HK$390/mo
Today · 4.125%
HK$15,133
baseline
▲ 0.50% · 4.625%
HK$15,931
+HK$798/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,266/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,057
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,525
−HK$476/mo
Today · 4.125%
HK$16,001
baseline
▲ 0.50% · 4.625%
HK$16,975
+HK$974/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$32,002/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$89,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,750
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,200
−HK$455/mo
Today · 4.125%
HK$17,655
baseline
▲ 0.50% · 4.625%
HK$18,586
+HK$931/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,310/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$89,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,359
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$19,961
−HK$612/mo
Today · 4.125%
HK$20,573
baseline
▲ 0.50% · 4.625%
HK$21,824
+HK$1,251/mo
Deposit HK$472K · loan HK$4.24M · min. income ≈ HK$41,146/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,536
−HK$1,164/mo
▼ 0.25% · 3.875%
HK$22,114
−HK$586/mo
Today · 4.125%
HK$22,700
baseline
▲ 0.50% · 4.625%
HK$23,896
+HK$1,196/mo
Deposit HK$472K · loan HK$4.24M · min. income ≈ HK$45,400/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,149 · 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).