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$10,772
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,107
−HK$341/mo
Today · 4.125%
HK$11,448
baseline
▲ 0.50% · 4.625%
HK$12,145
+HK$697/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$22,896/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,984
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,306
−HK$326/mo
Today · 4.125%
HK$12,632
baseline
▲ 0.50% · 4.625%
HK$13,297
+HK$665/mo
Deposit HK$2.36M · loan HK$2.36M · min. income ≈ HK$25,264/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$89,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,927
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,329
−HK$409/mo
Today · 4.125%
HK$13,738
baseline
▲ 0.50% · 4.625%
HK$14,573
+HK$835/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$27,476/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,381
−HK$777/mo
▼ 0.25% · 3.875%
HK$14,767
−HK$391/mo
Today · 4.125%
HK$15,158
baseline
▲ 0.50% · 4.625%
HK$15,957
+HK$799/mo
Deposit HK$1.89M · loan HK$2.83M · min. income ≈ HK$30,316/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$89,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,081
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,550
−HK$477/mo
Today · 4.125%
HK$16,027
baseline
▲ 0.50% · 4.625%
HK$17,002
+HK$975/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,054/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,778
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,228
−HK$456/mo
Today · 4.125%
HK$17,684
baseline
▲ 0.50% · 4.625%
HK$18,616
+HK$932/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,368/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$89,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,390
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$19,993
−HK$613/mo
Today · 4.125%
HK$20,606
baseline
▲ 0.50% · 4.625%
HK$21,860
+HK$1,254/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$41,212/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,572
−HK$1,165/mo
▼ 0.25% · 3.875%
HK$22,150
−HK$587/mo
Today · 4.125%
HK$22,737
baseline
▲ 0.50% · 4.625%
HK$23,935
+HK$1,198/mo
Deposit HK$472K · loan HK$4.25M · min. income ≈ HK$45,474/mo (50% DSR)
Upfront cash ≈ HK$562K (deposit + AVD stamp duty HK$89,921 · 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).